Call reports 2002
SPRING VALLEY BANK — 2002
What SPRING VALLEY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 39,654,000 | 38,431,000 | 43,011,000 | 44,012,000 |
| Total loans | 32,025,000 | 31,363,000 | 33,706,000 | 36,040,000 |
| Allowance for loan losses | 289,000 | 285,000 | 297,000 | 249,000 |
| Securities available for sale | 1,725,000 | 2,749,000 | 2,126,000 | 2,148,000 |
| Securities held to maturity | 700,000 | 25,000 | 25,000 | 863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,228,000 | 30,702,000 | 34,754,000 | 34,821,000 |
| Interest-bearing deposits | 29,386,000 | 28,480,000 | 32,771,000 | 33,067,000 |
| Noninterest-bearing deposits | 2,842,000 | 2,222,000 | 1,983,000 | 1,754,000 |
| Equity capital | 7,364,000 | 7,683,000 | 8,107,000 | 8,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 707,000 | 1,437,000 | 2,221,000 | 3,136,000 |
| Interest expense | 319,000 | 604,000 | 862,000 | 1,124,000 |
| Net interest income | 388,000 | 833,000 | 1,359,000 | 2,012,000 |
| Noninterest income | 65,000 | 102,000 | 227,000 | 448,000 |
| Noninterest expense | 134,000 | 301,000 | 510,000 | 654,000 |
| Provision for loan losses | 62,000 | 58,000 | 70,000 | 22,000 |
| Pretax income | 257,000 | 576,000 | 1,006,000 | 1,784,000 |
| Income tax | 0 | 0 | 6,000 | 9,000 |
| Net income | 257,000 | 576,000 | 1,000,000 | 1,775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,364,000 | 7,683,000 | 8,107,000 | 8,882,000 |
| Total capital | 7,653,000 | 7,968,000 | 8,404,000 | 9,131,000 |
| Risk-weighted assets | 29,308,000 | 29,167,000 | 31,795,000 | 33,537,000 |