Call reports 2020
SAN LUIS VALLEY FEDERAL BANK — 2020
What SAN LUIS VALLEY FEDERAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 287,500,000 | 317,160,000 | 324,333,000 | 332,596,000 |
| Total loans | 203,645,000 | 214,544,000 | 221,060,000 | 218,514,000 |
| Allowance for loan losses | 1,844,000 | 1,952,000 | 2,152,000 | 2,378,000 |
| Securities available for sale | 40,871,000 | 49,606,000 | 56,099,000 | 66,765,000 |
| Securities held to maturity | 297,000 | 249,000 | 249,000 | 193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,057,000 | 264,888,000 | 271,624,000 | 279,823,000 |
| Interest-bearing deposits | 198,943,000 | 211,567,000 | 215,780,000 | 220,838,000 |
| Noninterest-bearing deposits | 38,114,000 | 53,321,000 | 55,844,000 | 58,985,000 |
| Equity capital | 48,208,000 | 49,373,000 | 49,843,000 | 50,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,928,000 | 5,773,000 | 8,707,000 | 11,753,000 |
| Interest expense | 254,000 | 460,000 | 646,000 | 814,000 |
| Net interest income | 2,674,000 | 5,313,000 | 8,061,000 | 10,939,000 |
| Noninterest income | 490,000 | 920,000 | 1,467,000 | 2,016,000 |
| Noninterest expense | 2,388,000 | 4,760,000 | 7,154,000 | 9,609,000 |
| Provision for loan losses | 10,000 | 120,000 | 320,000 | 545,000 |
| Pretax income | 766,000 | 1,353,000 | 2,054,000 | 2,801,000 |
| Income tax | 142,000 | 239,000 | 355,000 | 579,000 |
| Net income | 624,000 | 1,114,000 | 1,699,000 | 2,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,189,000 | 48,679,000 | 49,264,000 | 49,786,000 |
| Total capital | 50,033,000 | 50,631,000 | 51,416,000 | 52,164,000 |
| Risk-weighted assets | 201,183,000 | 206,672,000 | 211,233,000 | 217,660,000 |