Call reports 2023
SAN LUIS VALLEY FEDERAL BANK — 2023
What SAN LUIS VALLEY FEDERAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 396,383,000 | 380,284,000 | 393,179,000 | 383,160,000 |
| Total loans | 247,132,000 | 250,612,000 | 252,512,000 | 251,840,000 |
| Allowance for loan losses | 2,782,000 | 2,779,000 | 2,779,000 | 2,779,000 |
| Securities available for sale | 88,580,000 | 84,697,000 | 79,263,000 | 79,213,000 |
| Securities held to maturity | 32,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,609,000 | 325,539,000 | 338,192,000 | 325,412,000 |
| Interest-bearing deposits | 265,871,000 | 253,105,000 | 253,005,000 | 242,603,000 |
| Noninterest-bearing deposits | 76,738,000 | 72,434,000 | 85,187,000 | 82,809,000 |
| Equity capital | 49,618,000 | 50,406,000 | 49,936,000 | 53,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,767,000 | 7,591,000 | 11,574,000 | 15,605,000 |
| Interest expense | 125,000 | 279,000 | 460,000 | 660,000 |
| Net interest income | 3,642,000 | 7,312,000 | 11,114,000 | 14,945,000 |
| Noninterest income | 624,000 | 1,269,000 | 1,930,000 | 2,620,000 |
| Noninterest expense | 2,872,000 | 5,801,000 | 8,927,000 | 11,961,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,394,000 | 2,780,000 | 4,117,000 | 5,604,000 |
| Income tax | 314,000 | 619,000 | 913,000 | 1,246,000 |
| Net income | 1,080,000 | 2,161,000 | 3,204,000 | 4,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,406,000 | 58,487,000 | 59,530,000 | 60,685,000 |
| Total capital | 60,188,000 | 61,266,000 | 62,309,000 | 63,464,000 |
| Risk-weighted assets | 247,172,000 | 241,707,000 | 246,000,000 | 240,034,000 |