Call reports 2003
SPRING VALLEY BANK — 2003
What SPRING VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 48,280,000 | 46,092,000 | 48,357,000 | 48,879,000 |
| Total loans | 37,376,000 | 38,071,000 | 38,138,000 | 39,702,000 |
| Allowance for loan losses | 409,000 | 239,000 | 252,000 | 462,000 |
| Securities available for sale | 3,022,000 | 3,189,000 | 3,193,000 | 3,205,000 |
| Securities held to maturity | 833,000 | 1,267,000 | 2,333,000 | 1,967,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,979,000 | 35,974,000 | 37,466,000 | 37,729,000 |
| Interest-bearing deposits | 35,579,000 | 32,736,000 | 34,602,000 | 34,725,000 |
| Noninterest-bearing deposits | 3,400,000 | 3,238,000 | 2,864,000 | 3,004,000 |
| Equity capital | 9,243,000 | 10,063,000 | 10,790,000 | 11,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 818,000 | 1,676,000 | 2,578,000 | 3,442,000 |
| Interest expense | 229,000 | 459,000 | 672,000 | 864,000 |
| Net interest income | 589,000 | 1,217,000 | 1,906,000 | 2,578,000 |
| Noninterest income | 129,000 | 328,000 | 639,000 | 697,000 |
| Noninterest expense | 192,000 | 367,000 | 565,000 | 743,000 |
| Provision for loan losses | 160,000 | -10,000 | 3,000 | 213,000 |
| Pretax income | 366,000 | 1,188,000 | 1,959,000 | 2,281,000 |
| Income tax | 5,000 | 7,000 | 10,000 | 10,000 |
| Net income | 361,000 | 1,181,000 | 1,949,000 | 2,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,243,000 | 10,063,000 | 10,790,000 | 11,090,000 |
| Total capital | 9,652,000 | 10,302,000 | 11,042,000 | 11,552,000 |
| Risk-weighted assets | 35,421,000 | 34,388,000 | 35,728,000 | 36,985,000 |
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