Call reports 2009
SPRING VALLEY CITY BANK — 2009
What SPRING VALLEY CITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 162,906,000 | 162,948,000 | 170,285,000 | 174,746,000 |
| Total loans | 105,010,000 | 105,663,000 | 104,209,000 | 103,946,000 |
| Allowance for loan losses | 1,632,000 | 1,620,000 | 1,583,000 | 1,600,000 |
| Securities available for sale | 13,873,000 | 26,011,000 | 32,654,000 | 37,417,000 |
| Securities held to maturity | 22,927,000 | 21,464,000 | 22,067,000 | 19,321,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,214,000 | 139,078,000 | 145,706,000 | 150,586,000 |
| Interest-bearing deposits | 124,866,000 | 125,418,000 | 131,853,000 | 135,906,000 |
| Noninterest-bearing deposits | 14,348,000 | 13,660,000 | 13,853,000 | 14,680,000 |
| Equity capital | 21,944,000 | 22,034,000 | 22,588,000 | 22,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,926,000 | 3,860,000 | 5,930,000 | 8,000,000 |
| Interest expense | 753,000 | 1,455,000 | 2,174,000 | 2,894,000 |
| Net interest income | 1,173,000 | 2,405,000 | 3,756,000 | 5,106,000 |
| Noninterest income | 102,000 | 208,000 | 316,000 | 432,000 |
| Noninterest expense | 769,000 | 1,683,000 | 2,511,000 | 3,408,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 431,000 | 780,000 | 1,336,000 | 1,868,000 |
| Income tax | 131,000 | 243,000 | 400,000 | 551,000 |
| Net income | 300,000 | 537,000 | 936,000 | 1,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,644,000 | 21,762,000 | 22,161,000 | 22,175,000 |
| Total capital | 22,761,000 | 22,893,000 | 23,301,000 | 23,346,000 |
| Risk-weighted assets | 88,922,000 | 90,020,000 | 90,734,000 | 93,324,000 |