Call reports 2010
SPRING VALLEY BANK — 2010
What SPRING VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 65,581,000 | 65,624,000 | 70,736,000 | 67,916,000 |
| Total loans | 51,108,000 | 51,090,000 | 52,147,000 | 53,265,000 |
| Allowance for loan losses | 739,000 | 691,000 | 591,000 | 590,000 |
| Securities available for sale | 4,783,000 | 4,518,000 | 4,520,000 | 4,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,728,000 | 41,199,000 | 45,331,000 | 42,003,000 |
| Interest-bearing deposits | 39,476,000 | 39,330,000 | 42,733,000 | 38,655,000 |
| Noninterest-bearing deposits | 2,252,000 | 1,869,000 | 2,598,000 | 3,348,000 |
| Equity capital | 23,739,000 | 24,327,000 | 25,065,000 | 25,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,071,000 | 2,235,000 | 3,256,000 | 4,327,000 |
| Interest expense | 150,000 | 291,000 | 430,000 | 552,000 |
| Net interest income | 921,000 | 1,944,000 | 2,826,000 | 3,775,000 |
| Noninterest income | -54,000 | -73,000 | 38,000 | 5,000 |
| Noninterest expense | 426,000 | 779,000 | 901,000 | 1,288,000 |
| Provision for loan losses | 184,000 | 247,000 | 380,000 | 398,000 |
| Pretax income | 257,000 | 845,000 | 1,583,000 | 2,094,000 |
| Income tax | -5,000 | -5,000 | -5,000 | -5,000 |
| Net income | 262,000 | 850,000 | 1,588,000 | 2,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,739,000 | 24,327,000 | 25,065,000 | 25,576,000 |
| Total capital | 24,413,000 | 25,018,000 | 25,656,000 | 26,166,000 |
| Risk-weighted assets | 53,883,000 | 56,899,000 | 55,600,000 | 56,475,000 |