Call reports 2012
SPRING VALLEY CITY BANK — 2012
What SPRING VALLEY CITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 202,174,000 | 197,297,000 | 199,721,000 | 206,400,000 |
| Total loans | 99,985,000 | 96,883,000 | 94,027,000 | 91,926,000 |
| Allowance for loan losses | 2,035,000 | 2,051,000 | 1,943,000 | 2,215,000 |
| Securities available for sale | 55,028,000 | 54,228,000 | 52,662,000 | 53,330,000 |
| Securities held to maturity | 30,213,000 | 32,346,000 | 32,407,000 | 31,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,149,000 | 168,888,000 | 171,636,000 | 179,523,000 |
| Interest-bearing deposits | 156,767,000 | 152,382,000 | 154,602,000 | 160,973,000 |
| Noninterest-bearing deposits | 17,382,000 | 16,505,000 | 17,035,000 | 18,550,000 |
| Equity capital | 25,388,000 | 25,690,000 | 26,168,000 | 25,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,050,000 | 4,014,000 | 5,962,000 | 7,842,000 |
| Interest expense | 449,000 | 881,000 | 1,307,000 | 1,712,000 |
| Net interest income | 1,601,000 | 3,133,000 | 4,655,000 | 6,130,000 |
| Noninterest income | 127,000 | 214,000 | 343,000 | 496,000 |
| Noninterest expense | 834,000 | 1,685,000 | 2,587,000 | 3,550,000 |
| Provision for loan losses | 60,000 | 120,000 | 260,000 | 560,000 |
| Pretax income | 834,000 | 1,542,000 | 2,151,000 | 2,516,000 |
| Income tax | 251,000 | 447,000 | 605,000 | 651,000 |
| Net income | 583,000 | 1,095,000 | 1,546,000 | 1,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,781,000 | 23,881,000 | 24,333,000 | 23,464,000 |
| Total capital | 24,993,000 | 25,051,000 | 25,504,000 | 24,619,000 |
| Risk-weighted assets | 96,140,000 | 92,693,000 | 92,873,000 | 91,350,000 |