Call reports 2002
SPRING VALLEY CITY BANK — 2002
What SPRING VALLEY CITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 133,921,000 | 132,747,000 | 134,170,000 | 138,689,000 |
| Total loans | 90,118,000 | 91,868,000 | 95,228,000 | 99,215,000 |
| Allowance for loan losses | 706,000 | 809,000 | 824,000 | 916,000 |
| Securities available for sale | 7,003,000 | 7,861,000 | 7,750,000 | 7,624,000 |
| Securities held to maturity | 24,720,000 | 24,690,000 | 24,553,000 | 22,614,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,834,000 | 113,596,000 | 114,433,000 | 119,064,000 |
| Interest-bearing deposits | 105,072,000 | 104,623,000 | 104,520,000 | 109,095,000 |
| Noninterest-bearing deposits | 9,762,000 | 8,973,000 | 9,913,000 | 9,969,000 |
| Equity capital | 17,796,000 | 18,003,000 | 18,470,000 | 18,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,048,000 | 4,061,000 | 6,100,000 | 8,214,000 |
| Interest expense | 892,000 | 1,712,000 | 2,493,000 | 3,258,000 |
| Net interest income | 1,156,000 | 2,349,000 | 3,607,000 | 4,956,000 |
| Noninterest income | 95,000 | 174,000 | 254,000 | 342,000 |
| Noninterest expense | 613,000 | 1,246,000 | 1,874,000 | 2,501,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 375,000 |
| Pretax income | 563,000 | 1,138,000 | 1,773,000 | 2,434,000 |
| Income tax | 165,000 | 337,000 | 525,000 | 726,000 |
| Net income | 398,000 | 801,000 | 1,248,000 | 1,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,770,000 | 17,925,000 | 18,371,000 | 18,572,000 |
| Total capital | 18,476,000 | 18,734,000 | 19,195,000 | 19,488,000 |
| Risk-weighted assets | 75,922,000 | 77,366,000 | 79,079,000 | 82,244,000 |