Call reports 2024
SAN LUIS VALLEY FEDERAL BANK — 2024
What SAN LUIS VALLEY FEDERAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 374,891,000 | 380,095,000 | 378,993,000 | 379,250,000 |
| Total loans | 253,548,000 | 264,219,000 | 260,271,000 | 262,854,000 |
| Allowance for loan losses | 2,556,000 | 2,556,000 | 2,552,000 | 2,598,000 |
| Securities available for sale | 76,376,000 | 75,170,000 | 77,194,000 | 74,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,878,000 | 319,267,000 | 314,473,000 | 316,424,000 |
| Interest-bearing deposits | 240,375,000 | 241,312,000 | 236,806,000 | 240,012,000 |
| Noninterest-bearing deposits | 75,503,000 | 77,955,000 | 77,667,000 | 76,412,000 |
| Equity capital | 53,738,000 | 55,468,000 | 58,659,000 | 57,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,943,000 | 8,026,000 | 12,095,000 | 16,280,000 |
| Interest expense | 212,000 | 454,000 | 719,000 | 981,000 |
| Net interest income | 3,731,000 | 7,572,000 | 11,376,000 | 15,299,000 |
| Noninterest income | 648,000 | 1,310,000 | 2,010,000 | 2,696,000 |
| Noninterest expense | 3,180,000 | 6,464,000 | 9,748,000 | 12,952,000 |
| Provision for loan losses | 0 | -223,000 | -223,000 | -182,000 |
| Pretax income | 1,199,000 | 2,418,000 | 3,638,000 | 5,043,000 |
| Income tax | 267,000 | 529,000 | 788,000 | 1,096,000 |
| Net income | 932,000 | 1,889,000 | 2,850,000 | 3,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,617,000 | 62,574,000 | 63,534,000 | 64,632,000 |
| Total capital | 64,396,000 | 65,353,000 | 66,308,000 | 67,411,000 |
| Risk-weighted assets | 238,150,000 | 244,783,000 | 235,535,000 | 240,340,000 |