Call reports 2004
SPRING VALLEY CITY BANK — 2004
What SPRING VALLEY CITY BANK 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 | 140,132,000 | 139,592,000 | 140,249,000 | 141,598,000 |
| Total loans | 103,973,000 | 104,433,000 | 104,946,000 | 104,323,000 |
| Allowance for loan losses | 1,145,000 | 1,172,000 | 1,237,000 | 1,360,000 |
| Securities available for sale | 9,841,000 | 13,057,000 | 13,026,000 | 12,900,000 |
| Securities held to maturity | 14,236,000 | 13,174,000 | 12,758,000 | 13,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,828,000 | 118,322,000 | 118,458,000 | 119,953,000 |
| Interest-bearing deposits | 108,142,000 | 107,142,000 | 108,072,000 | 108,394,000 |
| Noninterest-bearing deposits | 10,686,000 | 11,180,000 | 10,386,000 | 11,559,000 |
| Equity capital | 20,228,000 | 20,216,000 | 20,628,000 | 20,683,000 |
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 | 1,821,000 | 3,598,000 | 5,397,000 | 7,203,000 |
| Interest expense | 555,000 | 1,085,000 | 1,627,000 | 2,182,000 |
| Net interest income | 1,266,000 | 2,513,000 | 3,770,000 | 5,021,000 |
| Noninterest income | 80,000 | 169,000 | 252,000 | 332,000 |
| Noninterest expense | 702,000 | 1,404,000 | 2,106,000 | 2,749,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 325,000 |
| Pretax income | 569,000 | 1,128,000 | 1,691,000 | 2,279,000 |
| Income tax | 172,000 | 342,000 | 541,000 | 728,000 |
| Net income | 397,000 | 786,000 | 1,150,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,181,000 | 20,290,000 | 20,654,000 | 20,752,000 |
| Total capital | 21,244,000 | 21,342,000 | 21,713,000 | 21,802,000 |
| Risk-weighted assets | 84,997,000 | 84,065,000 | 84,616,000 | 83,767,000 |