Call reports 2004
SALT CREEK VALLEY BANK, THE — 2004
What SALT CREEK VALLEY BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 34,997,000 | 34,485,000 | 33,632,000 | 32,416,000 |
| Total loans | 17,313,000 | 17,786,000 | 18,699,000 | 19,285,000 |
| Allowance for loan losses | 223,000 | 224,000 | 222,000 | 223,000 |
| Securities available for sale | 13,872,000 | 12,507,000 | 10,905,000 | 9,556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,310,000 | 29,471,000 | 28,957,000 | 27,957,000 |
| Interest-bearing deposits | 25,929,000 | 25,431,000 | 24,538,000 | 23,152,000 |
| Noninterest-bearing deposits | 4,381,000 | 4,040,000 | 4,419,000 | 4,805,000 |
| Equity capital | 4,527,000 | 4,277,000 | 4,438,000 | 4,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 434,000 | 870,000 | 1,313,000 | 1,742,000 |
| Interest expense | 79,000 | 156,000 | 231,000 | 301,000 |
| Net interest income | 355,000 | 714,000 | 1,082,000 | 1,441,000 |
| Noninterest income | 70,000 | 131,000 | 197,000 | 262,000 |
| Noninterest expense | 312,000 | 651,000 | 983,000 | 1,322,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 113,000 | 195,000 | 301,000 | 387,000 |
| Income tax | 35,000 | 59,000 | 91,000 | 116,000 |
| Net income | 78,000 | 136,000 | 210,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,382,000 | 4,350,000 | 4,424,000 | 4,396,000 |
| Total capital | 4,597,000 | 4,568,000 | 4,646,000 | 4,617,000 |
| Risk-weighted assets | 17,217,000 | 17,460,000 | 17,792,000 | 17,644,000 |
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