Call reports 2010
SPRING VALLEY CITY BANK — 2010
What SPRING VALLEY CITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 173,863,000 | 178,704,000 | 180,646,000 | 191,549,000 |
| Total loans | 104,311,000 | 106,578,000 | 106,900,000 | 104,202,000 |
| Allowance for loan losses | 1,617,000 | 1,461,000 | 1,615,000 | 1,543,000 |
| Securities available for sale | 38,630,000 | 41,374,000 | 46,130,000 | 51,722,000 |
| Securities held to maturity | 17,810,000 | 15,787,000 | 14,719,000 | 18,382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,171,000 | 153,222,000 | 153,906,000 | 166,956,000 |
| Interest-bearing deposits | 135,082,000 | 139,941,000 | 140,802,000 | 153,364,000 |
| Noninterest-bearing deposits | 14,089,000 | 13,281,000 | 13,104,000 | 13,592,000 |
| Equity capital | 22,900,000 | 23,468,000 | 24,400,000 | 22,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,008,000 | 4,079,000 | 6,186,000 | 8,285,000 |
| Interest expense | 672,000 | 1,305,000 | 1,886,000 | 2,440,000 |
| Net interest income | 1,336,000 | 2,774,000 | 4,300,000 | 5,845,000 |
| Noninterest income | 101,000 | 230,000 | 351,000 | 496,000 |
| Noninterest expense | 864,000 | 1,721,000 | 2,628,000 | 3,496,000 |
| Provision for loan losses | 75,000 | 175,000 | 375,000 | 675,000 |
| Pretax income | 479,000 | 1,089,000 | 1,670,000 | 2,192,000 |
| Income tax | 135,000 | 322,000 | 493,000 | 635,000 |
| Net income | 344,000 | 767,000 | 1,177,000 | 1,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,519,000 | 22,554,000 | 22,969,000 | 22,445,000 |
| Total capital | 23,695,000 | 23,773,000 | 24,185,000 | 23,707,000 |
| Risk-weighted assets | 93,660,000 | 97,251,000 | 98,911,000 | 100,710,000 |