Call reports 2016
SAN LUIS VALLEY FEDERAL BANK — 2016
What SAN LUIS VALLEY FEDERAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 262,441,000 | 264,037,000 | 265,667,000 | 265,538,000 |
| Total loans | 153,539,000 | 153,458,000 | 153,862,000 | 159,547,000 |
| Allowance for loan losses | 1,527,000 | 1,527,000 | 1,506,000 | 1,522,000 |
| Securities available for sale | 73,800,000 | 81,385,000 | 76,467,000 | 80,914,000 |
| Securities held to maturity | 1,397,000 | 1,356,000 | 1,356,000 | 1,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,451,000 | 220,504,000 | 221,553,000 | 222,808,000 |
| Interest-bearing deposits | 192,931,000 | 194,044,000 | 192,811,000 | 192,612,000 |
| Noninterest-bearing deposits | 26,520,000 | 26,460,000 | 28,742,000 | 30,196,000 |
| Equity capital | 40,700,000 | 41,249,000 | 41,669,000 | 40,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,230,000 | 4,408,000 | 6,564,000 | 8,777,000 |
| Interest expense | 127,000 | 251,000 | 375,000 | 495,000 |
| Net interest income | 2,103,000 | 4,157,000 | 6,189,000 | 8,282,000 |
| Noninterest income | 394,000 | 796,000 | 1,242,000 | 1,666,000 |
| Noninterest expense | 1,845,000 | 3,695,000 | 5,574,000 | 7,470,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 652,000 | 1,258,000 | 1,857,000 | 2,478,000 |
| Income tax | 197,000 | 375,000 | 550,000 | 727,000 |
| Net income | 455,000 | 883,000 | 1,307,000 | 1,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,662,000 | 41,089,000 | 41,514,000 | 41,958,000 |
| Total capital | 42,189,000 | 42,616,000 | 43,020,000 | 43,480,000 |
| Risk-weighted assets | 166,994,000 | 167,158,000 | 166,922,000 | 172,244,000 |