Call reports 2005
SPRING VALLEY CITY BANK — 2005
What SPRING VALLEY CITY BANK 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 | 141,453,000 | 139,614,000 | 143,212,000 | 146,603,000 |
| Total loans | 102,199,000 | 101,316,000 | 104,391,000 | 104,263,000 |
| Allowance for loan losses | 1,460,000 | 1,284,000 | 1,437,000 | 1,354,000 |
| Securities available for sale | 13,758,000 | 13,762,000 | 12,687,000 | 12,130,000 |
| Securities held to maturity | 17,053,000 | 16,088,000 | 16,149,000 | 17,221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,167,000 | 117,380,000 | 120,836,000 | 124,447,000 |
| Interest-bearing deposits | 107,661,000 | 105,208,000 | 109,406,000 | 110,754,000 |
| Noninterest-bearing deposits | 11,506,000 | 12,172,000 | 11,430,000 | 13,693,000 |
| Equity capital | 21,012,000 | 21,035,000 | 21,115,000 | 21,096,000 |
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 | 1,751,000 | 3,522,000 | 5,343,000 | 7,241,000 |
| Interest expense | 569,000 | 1,157,000 | 1,794,000 | 2,489,000 |
| Net interest income | 1,182,000 | 2,365,000 | 3,549,000 | 4,752,000 |
| Noninterest income | 76,000 | 158,000 | 245,000 | 325,000 |
| Noninterest expense | 689,000 | 1,414,000 | 2,142,000 | 2,908,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 494,000 | 959,000 | 1,427,000 | 1,871,000 |
| Income tax | 109,000 | 272,000 | 428,000 | 575,000 |
| Net income | 385,000 | 687,000 | 999,000 | 1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,137,000 | 21,115,000 | 21,211,000 | 21,184,000 |
| Total capital | 22,175,000 | 22,137,000 | 22,268,000 | 22,246,000 |
| Risk-weighted assets | 82,565,000 | 81,508,000 | 84,142,000 | 84,719,000 |