Call reports 2012
SPRING VALLEY BANK — 2012
What SPRING VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 69,534,000 | 73,029,000 | 72,593,000 | 75,356,000 |
| Total loans | 51,135,000 | 50,678,000 | 50,619,000 | 52,366,000 |
| Allowance for loan losses | 936,000 | 915,000 | 757,000 | 765,000 |
| Securities available for sale | 4,528,000 | 4,529,000 | 4,530,000 | 4,531,000 |
| Securities held to maturity | 510,000 | 510,000 | 510,000 | 255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,029,000 | 45,426,000 | 45,016,000 | 47,188,000 |
| Interest-bearing deposits | 39,415,000 | 42,806,000 | 42,554,000 | 44,109,000 |
| Noninterest-bearing deposits | 2,614,000 | 2,620,000 | 2,462,000 | 3,079,000 |
| Equity capital | 27,401,000 | 27,513,000 | 27,454,000 | 27,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 935,000 | 1,801,000 | 2,818,000 | 3,458,000 |
| Interest expense | 66,000 | 130,000 | 197,000 | 257,000 |
| Net interest income | 869,000 | 1,671,000 | 2,621,000 | 3,201,000 |
| Noninterest income | -13,000 | -16,000 | -385,000 | -346,000 |
| Noninterest expense | 359,000 | 717,000 | 906,000 | 1,278,000 |
| Provision for loan losses | 148,000 | 227,000 | 428,000 | 483,000 |
| Pretax income | 349,000 | 711,000 | 902,000 | 1,094,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 349,000 | 711,000 | 902,000 | 1,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,401,000 | 27,513,000 | 27,454,000 | 27,646,000 |
| Total capital | 28,118,000 | 28,239,000 | 28,184,000 | 28,408,000 |
| Risk-weighted assets | 57,146,000 | 57,840,000 | 58,276,000 | 60,926,000 |