Call reports 2013
SPRING VALLEY BANK — 2013
What SPRING VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 73,966,000 | 74,945,000 | 74,509,000 | 75,114,000 |
| Total loans | 51,794,000 | 49,959,000 | 46,718,000 | 45,688,000 |
| Allowance for loan losses | 749,000 | 712,000 | 691,000 | 616,000 |
| Securities available for sale | 4,532,000 | 4,532,000 | 4,533,000 | 4,534,000 |
| Securities held to maturity | 255,000 | 255,000 | 255,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,971,000 | 46,858,000 | 46,113,000 | 46,670,000 |
| Interest-bearing deposits | 43,552,000 | 44,664,000 | 43,734,000 | 42,269,000 |
| Noninterest-bearing deposits | 2,419,000 | 2,194,000 | 2,379,000 | 4,401,000 |
| Equity capital | 27,893,000 | 27,993,000 | 28,281,000 | 28,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,138,000 | 1,989,000 | 2,906,000 | 3,662,000 |
| Interest expense | 55,000 | 111,000 | 164,000 | 213,000 |
| Net interest income | 1,083,000 | 1,878,000 | 2,742,000 | 3,449,000 |
| Noninterest income | -22,000 | 13,000 | 27,000 | 234,000 |
| Noninterest expense | 408,000 | 802,000 | 1,104,000 | 1,451,000 |
| Provision for loan losses | 6,000 | -58,000 | -170,000 | -86,000 |
| Pretax income | 647,000 | 1,147,000 | 1,835,000 | 2,318,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 647,000 | 1,147,000 | 1,835,000 | 2,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,893,000 | 27,993,000 | 28,281,000 | 28,365,000 |
| Total capital | 28,642,000 | 28,705,000 | 28,972,000 | 28,981,000 |
| Risk-weighted assets | 68,857,000 | 60,368,000 | 57,263,000 | 56,250,000 |