Call reports 2019
SAN LUIS VALLEY FEDERAL BANK — 2019
What SAN LUIS VALLEY FEDERAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 273,496,000 | 281,258,000 | 284,728,000 | 291,709,000 |
| Total loans | 181,589,000 | 189,931,000 | 199,453,000 | 202,107,000 |
| Allowance for loan losses | 1,580,000 | 1,612,000 | 1,642,000 | 1,834,000 |
| Securities available for sale | 51,527,000 | 49,229,000 | 46,246,000 | 43,380,000 |
| Securities held to maturity | 1,210,000 | 1,142,000 | 1,143,000 | 1,144,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,588,000 | 232,192,000 | 234,666,000 | 242,174,000 |
| Interest-bearing deposits | 193,426,000 | 193,003,000 | 192,614,000 | 194,645,000 |
| Noninterest-bearing deposits | 32,162,000 | 39,189,000 | 42,052,000 | 47,529,000 |
| Equity capital | 45,599,000 | 46,648,000 | 47,334,000 | 47,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,678,000 | 5,488,000 | 8,450,000 | 11,357,000 |
| Interest expense | 204,000 | 446,000 | 706,000 | 968,000 |
| Net interest income | 2,474,000 | 5,042,000 | 7,744,000 | 10,389,000 |
| Noninterest income | 440,000 | 921,000 | 1,482,000 | 1,984,000 |
| Noninterest expense | 2,243,000 | 4,644,000 | 7,101,000 | 9,353,000 |
| Provision for loan losses | 10,000 | 40,000 | 70,000 | 265,000 |
| Pretax income | 661,000 | 1,279,000 | 2,055,000 | 2,755,000 |
| Income tax | 135,000 | 259,000 | 420,000 | 565,000 |
| Net income | 526,000 | 1,020,000 | 1,635,000 | 2,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,400,000 | 46,894,000 | 47,510,000 | 47,565,000 |
| Total capital | 47,980,000 | 48,506,000 | 49,152,000 | 49,399,000 |
| Risk-weighted assets | 188,620,000 | 195,703,000 | 204,193,000 | 204,853,000 |