Call reports 2008
SPRING VALLEY BANK — 2008
What SPRING VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 68,224,000 | 69,562,000 | 63,619,000 | 63,219,000 |
| Total loans | 49,477,000 | 52,612,000 | 49,484,000 | 47,857,000 |
| Allowance for loan losses | 599,000 | 562,000 | 633,000 | 928,000 |
| Securities available for sale | 3,889,000 | 3,917,000 | 4,441,000 | 4,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,849,000 | 46,837,000 | 41,348,000 | 40,844,000 |
| Interest-bearing deposits | 43,370,000 | 44,151,000 | 38,735,000 | 38,350,000 |
| Noninterest-bearing deposits | 2,479,000 | 2,686,000 | 2,613,000 | 2,494,000 |
| Equity capital | 22,288,000 | 22,541,000 | 22,083,000 | 22,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,310,000 | 2,524,000 | 3,866,000 | 5,018,000 |
| Interest expense | 436,000 | 813,000 | 1,148,000 | 1,440,000 |
| Net interest income | 874,000 | 1,711,000 | 2,718,000 | 3,578,000 |
| Noninterest income | 109,000 | 445,000 | 477,000 | 487,000 |
| Noninterest expense | 301,000 | 590,000 | 913,000 | 1,313,000 |
| Provision for loan losses | 194,000 | 352,000 | 595,000 | 916,000 |
| Pretax income | 488,000 | 1,214,000 | 1,687,000 | 1,836,000 |
| Income tax | 6,000 | 12,000 | 10,000 | 16,000 |
| Net income | 482,000 | 1,202,000 | 1,677,000 | 1,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,288,000 | 22,541,000 | 22,083,000 | 22,194,000 |
| Total capital | 22,887,000 | 23,103,000 | 22,716,000 | 22,791,000 |
| Risk-weighted assets | 53,691,000 | 56,040,000 | 50,942,000 | 47,437,000 |
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