Call reports 2015
SPRING VALLEY BANK — 2015
What SPRING VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,196,000 | 67,262,000 | 65,593,000 | 67,912,000 |
| Total loans | 49,973,000 | 44,760,000 | 44,949,000 | 52,398,000 |
| Allowance for loan losses | 361,000 | 328,000 | 322,000 | 356,000 |
| Securities available for sale | 500,000 | 500,000 | 500,000 | 500,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,851,000 | 38,866,000 | 36,796,000 | 39,220,000 |
| Interest-bearing deposits | 34,864,000 | 36,237,000 | 33,557,000 | 35,698,000 |
| Noninterest-bearing deposits | 3,987,000 | 2,629,000 | 3,239,000 | 3,522,000 |
| Equity capital | 28,240,000 | 28,297,000 | 28,703,000 | 28,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,223,000 | 2,101,000 | 3,008,000 | 3,886,000 |
| Interest expense | 34,000 | 72,000 | 110,000 | 149,000 |
| Net interest income | 1,189,000 | 2,029,000 | 2,898,000 | 3,737,000 |
| Noninterest income | -149,000 | -102,000 | 74,000 | 104,000 |
| Noninterest expense | 429,000 | 822,000 | 1,071,000 | 1,557,000 |
| Provision for loan losses | 37,000 | 4,000 | -6,000 | 83,000 |
| Pretax income | 574,000 | 1,101,000 | 1,907,000 | 2,201,000 |
| Income tax | 140,000 | 210,000 | 210,000 | 210,000 |
| Net income | 434,000 | 891,000 | 1,697,000 | 1,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,898,000 | 28,297,000 | 28,703,000 | 28,597,000 |
| Total capital | 25,259,000 | 28,625,000 | 29,025,000 | 28,953,000 |
| Risk-weighted assets | 54,464,000 | 50,726,000 | 50,138,000 | 57,168,000 |