Call reports 2011
SPRING VALLEY CITY BANK — 2011
What SPRING VALLEY CITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 195,957,000 | 193,970,000 | 192,995,000 | 196,842,000 |
| Total loans | 101,775,000 | 101,198,000 | 100,876,000 | 102,899,000 |
| Allowance for loan losses | 1,670,000 | 1,746,000 | 1,865,000 | 2,573,000 |
| Securities available for sale | 58,643,000 | 54,929,000 | 54,565,000 | 54,853,000 |
| Securities held to maturity | 20,314,000 | 25,161,000 | 26,362,000 | 27,597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,055,000 | 167,603,000 | 165,381,000 | 169,649,000 |
| Interest-bearing deposits | 155,622,000 | 153,500,000 | 151,090,000 | 154,163,000 |
| Noninterest-bearing deposits | 15,433,000 | 14,103,000 | 14,291,000 | 15,486,000 |
| Equity capital | 23,101,000 | 24,153,000 | 25,254,000 | 24,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,109,000 | 4,264,000 | 6,390,000 | 8,469,000 |
| Interest expense | 527,000 | 1,033,000 | 1,513,000 | 1,979,000 |
| Net interest income | 1,582,000 | 3,231,000 | 4,877,000 | 6,490,000 |
| Noninterest income | 112,000 | 209,000 | 316,000 | 447,000 |
| Noninterest expense | 1,066,000 | 1,941,000 | 2,820,000 | 3,693,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 1,200,000 |
| Pretax income | 478,000 | 1,202,000 | 1,926,000 | 2,047,000 |
| Income tax | 117,000 | 325,000 | 526,000 | 476,000 |
| Net income | 361,000 | 877,000 | 1,400,000 | 1,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,807,000 | 22,922,000 | 23,444,000 | 23,207,000 |
| Total capital | 24,070,000 | 24,120,000 | 24,625,000 | 24,413,000 |
| Risk-weighted assets | 100,607,000 | 95,323,000 | 93,839,000 | 97,697,000 |