Call reports 2007
SPRING VALLEY BANK — 2007
What SPRING VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 68,994,000 | 67,993,000 | 69,484,000 | 69,223,000 |
| Total loans | 53,312,000 | 54,682,000 | 54,905,000 | 53,092,000 |
| Allowance for loan losses | 353,000 | 369,000 | 415,000 | 595,000 |
| Securities available for sale | 2,216,000 | 3,759,000 | 3,808,000 | 3,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,824,000 | 46,942,000 | 47,877,000 | 47,309,000 |
| Interest-bearing deposits | 45,857,000 | 43,725,000 | 44,975,000 | 44,709,000 |
| Noninterest-bearing deposits | 2,967,000 | 3,217,000 | 2,902,000 | 2,600,000 |
| Equity capital | 20,073,000 | 20,960,000 | 21,507,000 | 21,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,485,000 | 3,019,000 | 4,588,000 | 6,108,000 |
| Interest expense | 491,000 | 1,007,000 | 1,519,000 | 2,034,000 |
| Net interest income | 994,000 | 2,012,000 | 3,069,000 | 4,074,000 |
| Noninterest income | 55,000 | 95,000 | 223,000 | 131,000 |
| Noninterest expense | 231,000 | 380,000 | 915,000 | 1,186,000 |
| Provision for loan losses | 31,000 | 47,000 | 146,000 | 483,000 |
| Pretax income | 787,000 | 1,680,000 | 2,231,000 | 2,536,000 |
| Income tax | 12,000 | 18,000 | 22,000 | 28,000 |
| Net income | 775,000 | 1,662,000 | 2,209,000 | 2,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,073,000 | 20,960,000 | 21,507,000 | 21,806,000 |
| Total capital | 20,426,000 | 21,329,000 | 21,922,000 | 22,401,000 |
| Risk-weighted assets | 56,664,000 | 55,865,000 | 56,131,000 | 55,702,000 |