Call reports 2006
SPRING VALLEY CITY BANK — 2006
What SPRING VALLEY CITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 147,299,000 | 146,261,000 | 142,585,000 | 143,707,000 |
| Total loans | 107,598,000 | 108,432,000 | 108,218,000 | 107,070,000 |
| Allowance for loan losses | 1,464,000 | 1,580,000 | 1,646,000 | 1,654,000 |
| Securities available for sale | 13,048,000 | 10,990,000 | 10,033,000 | 9,016,000 |
| Securities held to maturity | 18,399,000 | 15,364,000 | 14,285,000 | 16,051,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,627,000 | 123,528,000 | 119,341,000 | 121,416,000 |
| Interest-bearing deposits | 111,511,000 | 110,281,000 | 107,904,000 | 109,076,000 |
| Noninterest-bearing deposits | 13,116,000 | 13,248,000 | 11,437,000 | 12,340,000 |
| Equity capital | 21,404,000 | 21,413,000 | 21,781,000 | 21,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,904,000 | 3,869,000 | 5,871,000 | 7,898,000 |
| Interest expense | 731,000 | 1,506,000 | 2,331,000 | 3,198,000 |
| Net interest income | 1,173,000 | 2,363,000 | 3,540,000 | 4,700,000 |
| Noninterest income | 74,000 | 160,000 | 242,000 | 329,000 |
| Noninterest expense | 717,000 | 1,441,000 | 2,169,000 | 2,879,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 455,000 | 932,000 | 1,388,000 | 1,850,000 |
| Income tax | 142,000 | 285,000 | 422,000 | 560,000 |
| Net income | 313,000 | 647,000 | 966,000 | 1,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,497,000 | 21,507,000 | 21,826,000 | 21,070,000 |
| Total capital | 22,589,000 | 22,597,000 | 22,913,000 | 22,149,000 |
| Risk-weighted assets | 86,977,000 | 86,739,000 | 86,439,000 | 85,787,000 |