Call reports 2006
SPRING VALLEY BANK — 2006
What SPRING VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 62,797,000 | 63,012,000 | 59,743,000 | 64,519,000 |
| Total loans | 55,010,000 | 54,465,000 | 54,314,000 | 54,572,000 |
| Allowance for loan losses | 318,000 | 310,000 | 351,000 | 337,000 |
| Securities available for sale | 1,224,000 | 1,238,000 | 2,160,000 | 2,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,863,000 | 45,166,000 | 41,168,000 | 45,121,000 |
| Interest-bearing deposits | 41,712,000 | 42,425,000 | 38,742,000 | 42,342,000 |
| Noninterest-bearing deposits | 4,151,000 | 2,741,000 | 2,426,000 | 2,779,000 |
| Equity capital | 16,855,000 | 17,769,000 | 18,473,000 | 19,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,277,000 | 2,643,000 | 4,036,000 | 5,472,000 |
| Interest expense | 335,000 | 710,000 | 1,145,000 | 1,601,000 |
| Net interest income | 942,000 | 1,933,000 | 2,891,000 | 3,871,000 |
| Noninterest income | 78,000 | 126,000 | 214,000 | 244,000 |
| Noninterest expense | 236,000 | 370,000 | 611,000 | 809,000 |
| Provision for loan losses | -16,000 | -24,000 | 64,000 | 51,000 |
| Pretax income | 800,000 | 1,713,000 | 2,430,000 | 3,255,000 |
| Income tax | 8,000 | 7,000 | 20,000 | 20,000 |
| Net income | 792,000 | 1,706,000 | 2,410,000 | 3,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,855,000 | 17,769,000 | 18,473,000 | 19,297,000 |
| Total capital | 17,173,000 | 18,079,000 | 18,824,000 | 19,634,000 |
| Risk-weighted assets | 52,166,000 | 52,516,000 | 49,112,000 | 54,444,000 |
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