Call reports 2007
SPRING VALLEY CITY BANK — 2007
What SPRING VALLEY CITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 146,220,000 | 146,521,000 | 144,321,000 | 148,286,000 |
| Total loans | 105,524,000 | 105,819,000 | 105,770,000 | 103,866,000 |
| Allowance for loan losses | 1,722,000 | 1,777,000 | 1,825,000 | 1,791,000 |
| Securities available for sale | 9,004,000 | 10,931,000 | 10,046,000 | 10,115,000 |
| Securities held to maturity | 17,831,000 | 19,980,000 | 19,106,000 | 19,801,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,479,000 | 123,723,000 | 120,973,000 | 125,073,000 |
| Interest-bearing deposits | 111,187,000 | 110,213,000 | 109,026,000 | 112,505,000 |
| Noninterest-bearing deposits | 12,292,000 | 13,510,000 | 11,947,000 | 12,568,000 |
| Equity capital | 21,356,000 | 21,297,000 | 21,714,000 | 21,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,027,000 | 4,132,000 | 6,259,000 | 8,408,000 |
| Interest expense | 893,000 | 1,841,000 | 2,800,000 | 3,786,000 |
| Net interest income | 1,134,000 | 2,291,000 | 3,459,000 | 4,622,000 |
| Noninterest income | 96,000 | 201,000 | 296,000 | 402,000 |
| Noninterest expense | 752,000 | 1,513,000 | 2,267,000 | 3,091,000 |
| Provision for loan losses | 60,000 | 120,000 | 150,000 | 150,000 |
| Pretax income | 418,000 | 859,000 | 1,338,000 | 1,783,000 |
| Income tax | 125,000 | 259,000 | 406,000 | 538,000 |
| Net income | 293,000 | 600,000 | 932,000 | 1,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,363,000 | 21,325,000 | 21,656,000 | 21,623,000 |
| Total capital | 22,442,000 | 22,401,000 | 22,729,000 | 22,692,000 |
| Risk-weighted assets | 85,750,000 | 85,412,000 | 85,111,000 | 84,821,000 |