Call reports 2001
SPRING VALLEY CITY BANK — 2001
What SPRING VALLEY CITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 123,737,000 | 125,427,000 | 128,587,000 | 134,886,000 |
| Total loans | 83,821,000 | 88,042,000 | 90,075,000 | 89,733,000 |
| Allowance for loan losses | 886,000 | 790,000 | 773,000 | 672,000 |
| Securities available for sale | 5,162,000 | 6,036,000 | 5,846,000 | 7,203,000 |
| Securities held to maturity | 26,892,000 | 25,750,000 | 23,950,000 | 23,547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,974,000 | 107,462,000 | 109,935,000 | 116,472,000 |
| Interest-bearing deposits | 97,050,000 | 98,153,000 | 101,566,000 | 106,714,000 |
| Noninterest-bearing deposits | 8,924,000 | 9,309,000 | 8,369,000 | 9,758,000 |
| Equity capital | 16,670,000 | 16,858,000 | 17,299,000 | 17,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,211,000 | 4,394,000 | 6,566,000 | 8,743,000 |
| Interest expense | 1,140,000 | 2,207,000 | 3,273,000 | 4,257,000 |
| Net interest income | 1,071,000 | 2,187,000 | 3,293,000 | 4,486,000 |
| Noninterest income | 71,000 | 152,000 | 235,000 | 318,000 |
| Noninterest expense | 593,000 | 1,217,000 | 1,837,000 | 2,448,000 |
| Provision for loan losses | 0 | 0 | 0 | 110,000 |
| Pretax income | 549,000 | 1,122,000 | 1,689,000 | 2,244,000 |
| Income tax | 158,000 | 324,000 | 487,000 | 647,000 |
| Net income | 391,000 | 798,000 | 1,202,000 | 1,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,652,000 | 16,821,000 | 17,225,000 | 17,372,000 |
| Total capital | 17,538,000 | 17,611,000 | 17,998,000 | 18,044,000 |
| Risk-weighted assets | 118,461,000 | 74,029,000 | 76,298,000 | 76,694,000 |