Call reports 2005
SALT CREEK VALLEY BANK, THE — 2005
What SALT CREEK VALLEY BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,944,000 | 32,484,000 | 32,695,000 | 33,230,000 |
| Total loans | 18,899,000 | 20,076,000 | 20,524,000 | 20,696,000 |
| Allowance for loan losses | 227,000 | 222,000 | 233,000 | 224,000 |
| Securities available for sale | 9,284,000 | 8,670,000 | 8,691,000 | 8,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,528,000 | 27,794,000 | 28,123,000 | 28,733,000 |
| Interest-bearing deposits | 24,511,000 | 23,098,000 | 23,360,000 | 23,692,000 |
| Noninterest-bearing deposits | 4,017,000 | 4,696,000 | 4,763,000 | 5,041,000 |
| Equity capital | 4,365,000 | 4,393,000 | 4,448,000 | 4,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 425,000 | 857,000 | 1,301,000 | 1,768,000 |
| Interest expense | 67,000 | 142,000 | 230,000 | 336,000 |
| Net interest income | 358,000 | 715,000 | 1,071,000 | 1,432,000 |
| Noninterest income | 78,000 | 162,000 | 243,000 | 329,000 |
| Noninterest expense | 330,000 | 655,000 | 996,000 | 1,355,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 106,000 | 222,000 | 318,000 | 406,000 |
| Income tax | 32,000 | 68,000 | 98,000 | 124,000 |
| Net income | 74,000 | 154,000 | 220,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,470,000 | 4,459,000 | 4,526,000 | 4,498,000 |
| Total capital | 4,692,000 | 4,681,000 | 4,759,000 | 4,722,000 |
| Risk-weighted assets | 17,718,000 | 18,147,000 | 18,661,000 | 18,656,000 |
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