Call reports 2014
SPRING VALLEY BANK — 2014
What SPRING VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 73,818,000 | 67,741,000 | 67,158,000 | 65,160,000 |
| Total loans | 45,506,000 | 44,575,000 | 45,126,000 | 46,409,000 |
| Allowance for loan losses | 508,000 | 341,000 | 321,000 | 344,000 |
| Securities available for sale | 4,534,000 | 1,535,000 | 1,535,000 | 1,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,280,000 | 39,169,000 | 38,800,000 | 36,862,000 |
| Interest-bearing deposits | 39,808,000 | 33,660,000 | 34,170,000 | 32,972,000 |
| Noninterest-bearing deposits | 5,472,000 | 5,509,000 | 4,630,000 | 3,890,000 |
| Equity capital | 28,451,000 | 28,468,000 | 28,213,000 | 28,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 756,000 | 1,628,000 | 2,480,000 | 3,285,000 |
| Interest expense | 40,000 | 77,000 | 110,000 | 142,000 |
| Net interest income | 716,000 | 1,551,000 | 2,370,000 | 3,143,000 |
| Noninterest income | -22,000 | -10,000 | -138,000 | -95,000 |
| Noninterest expense | 352,000 | 814,000 | 1,153,000 | 1,526,000 |
| Provision for loan losses | 111,000 | 22,000 | -171,000 | -121,000 |
| Pretax income | 231,000 | 705,000 | 1,250,000 | 1,643,000 |
| Income tax | 145,000 | 202,000 | 202,000 | 202,000 |
| Net income | 86,000 | 503,000 | 1,048,000 | 1,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,451,000 | 28,468,000 | 28,213,000 | 28,206,000 |
| Total capital | 28,959,000 | 28,809,000 | 28,534,000 | 28,550,000 |
| Risk-weighted assets | 56,631,000 | 51,933,000 | 52,096,000 | 52,492,000 |