Call reports 2013
SPRING VALLEY CITY BANK — 2013
What SPRING VALLEY CITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 208,001,000 | 200,735,000 | 203,985,000 | 207,746,000 |
| Total loans | 88,474,000 | 89,060,000 | 90,033,000 | 90,656,000 |
| Allowance for loan losses | 2,363,000 | 2,383,000 | 2,314,000 | 2,234,000 |
| Securities available for sale | 73,200,000 | 69,427,000 | 68,215,000 | 64,485,000 |
| Securities held to maturity | 31,536,000 | 31,378,000 | 31,479,000 | 30,445,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,845,000 | 174,706,000 | 177,552,000 | 181,615,000 |
| Interest-bearing deposits | 161,298,000 | 156,223,000 | 156,350,000 | 162,462,000 |
| Noninterest-bearing deposits | 19,546,000 | 18,483,000 | 21,202,000 | 19,153,000 |
| Equity capital | 25,366,000 | 24,255,000 | 24,716,000 | 24,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,828,000 | 3,653,000 | 5,430,000 | 7,144,000 |
| Interest expense | 375,000 | 730,000 | 1,071,000 | 1,393,000 |
| Net interest income | 1,453,000 | 2,923,000 | 4,359,000 | 5,751,000 |
| Noninterest income | 131,000 | 262,000 | 406,000 | 553,000 |
| Noninterest expense | 852,000 | 1,736,000 | 2,585,000 | 3,504,000 |
| Provision for loan losses | 150,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 582,000 | 1,249,000 | 1,980,000 | 2,600,000 |
| Income tax | 148,000 | 324,000 | 530,000 | 697,000 |
| Net income | 434,000 | 925,000 | 1,450,000 | 1,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,898,000 | 23,979,000 | 24,503,000 | 24,513,000 |
| Total capital | 25,084,000 | 25,151,000 | 25,680,000 | 25,699,000 |
| Risk-weighted assets | 93,736,000 | 92,537,000 | 93,048,000 | 93,836,000 |