Call reports 2009
SPRING VALLEY BANK — 2009
What SPRING VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 66,646,000 | 63,719,000 | 65,589,000 | 64,970,000 |
| Total loans | 48,730,000 | 50,048,000 | 49,920,000 | 52,322,000 |
| Allowance for loan losses | 819,000 | 887,000 | 768,000 | 705,000 |
| Securities available for sale | 11,754,000 | 8,770,000 | 8,778,000 | 4,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,764,000 | 40,620,000 | 41,890,000 | 40,630,000 |
| Interest-bearing deposits | 41,712,000 | 39,038,000 | 39,031,000 | 37,914,000 |
| Noninterest-bearing deposits | 2,052,000 | 1,582,000 | 2,859,000 | 2,716,000 |
| Equity capital | 22,723,000 | 22,934,000 | 23,549,000 | 24,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,041,000 | 2,117,000 | 3,183,000 | 4,338,000 |
| Interest expense | 266,000 | 503,000 | 703,000 | 863,000 |
| Net interest income | 775,000 | 1,614,000 | 2,480,000 | 3,475,000 |
| Noninterest income | 121,000 | 213,000 | 181,000 | 294,000 |
| Noninterest expense | 380,000 | 808,000 | 1,140,000 | 1,482,000 |
| Provision for loan losses | -69,000 | 17,000 | -86,000 | -3,000 |
| Pretax income | 585,000 | 1,002,000 | 1,607,000 | 2,290,000 |
| Income tax | 6,000 | 12,000 | 2,000 | 7,000 |
| Net income | 579,000 | 990,000 | 1,605,000 | 2,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,723,000 | 22,934,000 | 23,549,000 | 24,227,000 |
| Total capital | 23,428,000 | 23,619,000 | 24,244,000 | 24,909,000 |
| Risk-weighted assets | 56,341,000 | 54,582,000 | 55,530,000 | 56,296,000 |