Call reports 2005
SPRING VALLEY BANK — 2005
What SPRING VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 49,345,000 | 56,458,000 | 55,013,000 | 58,433,000 |
| Total loans | 44,163,000 | 47,693,000 | 49,583,000 | 52,078,000 |
| Allowance for loan losses | 296,000 | 275,000 | 317,000 | 334,000 |
| Securities available for sale | 2,238,000 | 1,190,000 | 1,199,000 | 1,211,000 |
| Securities held to maturity | 498,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,702,000 | 41,627,000 | 39,517,000 | 42,291,000 |
| Interest-bearing deposits | 31,275,000 | 37,950,000 | 36,031,000 | 38,541,000 |
| Noninterest-bearing deposits | 3,427,000 | 3,677,000 | 3,486,000 | 3,750,000 |
| Equity capital | 14,120,000 | 14,768,000 | 15,433,000 | 16,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 936,000 | 1,962,000 | 3,087,000 | 4,286,000 |
| Interest expense | 191,000 | 429,000 | 700,000 | 993,000 |
| Net interest income | 745,000 | 1,533,000 | 2,387,000 | 3,293,000 |
| Noninterest income | 105,000 | 183,000 | 292,000 | 325,000 |
| Noninterest expense | 187,000 | 375,000 | 605,000 | 800,000 |
| Provision for loan losses | -66,000 | -61,000 | -3,000 | 107,000 |
| Pretax income | 607,000 | 1,185,000 | 1,860,000 | 2,494,000 |
| Income tax | 4,000 | 4,000 | 14,000 | 18,000 |
| Net income | 603,000 | 1,181,000 | 1,846,000 | 2,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,120,000 | 14,768,000 | 15,433,000 | 16,063,000 |
| Total capital | 14,416,000 | 15,043,000 | 15,750,000 | 16,397,000 |
| Risk-weighted assets | 39,916,000 | 42,918,000 | 43,624,000 | 45,640,000 |