Call reports 2004
SPRING VALLEY BANK — 2004
What SPRING VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 48,425,000 | 50,670,000 | 48,226,000 | 47,757,000 |
| Total loans | 38,359,000 | 40,433,000 | 39,180,000 | 39,008,000 |
| Allowance for loan losses | 280,000 | 317,000 | 310,000 | 407,000 |
| Securities available for sale | 3,240,000 | 3,227,000 | 3,268,000 | 3,295,000 |
| Securities held to maturity | 1,934,000 | 1,893,000 | 1,823,000 | 1,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,468,000 | 38,220,000 | 35,165,000 | 34,217,000 |
| Interest-bearing deposits | 34,015,000 | 35,751,000 | 31,601,000 | 31,235,000 |
| Noninterest-bearing deposits | 2,453,000 | 2,469,000 | 3,564,000 | 2,982,000 |
| Equity capital | 11,901,000 | 12,387,000 | 13,011,000 | 13,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 906,000 | 1,795,000 | 2,735,000 | 3,626,000 |
| Interest expense | 181,000 | 358,000 | 532,000 | 711,000 |
| Net interest income | 725,000 | 1,437,000 | 2,203,000 | 2,915,000 |
| Noninterest income | 70,000 | 119,000 | 179,000 | 215,000 |
| Noninterest expense | 157,000 | 345,000 | 564,000 | 729,000 |
| Provision for loan losses | -182,000 | -145,000 | -152,000 | -55,000 |
| Pretax income | 820,000 | 1,356,000 | 1,970,000 | 2,456,000 |
| Income tax | 11,000 | 13,000 | 11,000 | 16,000 |
| Net income | 809,000 | 1,343,000 | 1,959,000 | 2,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,899,000 | 12,387,000 | 13,011,000 | 13,485,000 |
| Total capital | 12,179,000 | 12,704,000 | 13,321,000 | 13,892,000 |
| Risk-weighted assets | 36,268,000 | 38,872,000 | 37,598,000 | 37,414,000 |