Call reports 2014
SPRING VALLEY CITY BANK — 2014
What SPRING VALLEY CITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 212,230,000 | 211,271,000 | 206,823,000 | 197,035,000 |
| Total loans | 87,363,000 | 85,610,000 | 83,470,000 | 84,749,000 |
| Allowance for loan losses | 2,143,000 | 2,120,000 | 2,097,000 | 2,125,000 |
| Securities available for sale | 70,873,000 | 70,667,000 | 68,385,000 | 68,789,000 |
| Securities held to maturity | 29,913,000 | 29,358,000 | 29,870,000 | 28,563,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,101,000 | 184,088,000 | 179,238,000 | 169,481,000 |
| Interest-bearing deposits | 164,342,000 | 159,473,000 | 161,229,000 | 151,136,000 |
| Noninterest-bearing deposits | 20,759,000 | 24,614,000 | 18,008,000 | 18,345,000 |
| Equity capital | 25,175,000 | 25,444,000 | 25,794,000 | 25,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,687,000 | 3,372,000 | 5,034,000 | 6,673,000 |
| Interest expense | 291,000 | 567,000 | 830,000 | 1,081,000 |
| Net interest income | 1,396,000 | 2,805,000 | 4,204,000 | 5,592,000 |
| Noninterest income | 170,000 | 371,000 | 521,000 | 676,000 |
| Noninterest expense | 881,000 | 1,744,000 | 2,623,000 | 3,598,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 685,000 | 1,432,000 | 2,102,000 | 2,670,000 |
| Income tax | 188,000 | 401,000 | 584,000 | 761,000 |
| Net income | 497,000 | 1,031,000 | 1,518,000 | 1,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,010,000 | 25,093,000 | 25,580,000 | 25,511,000 |
| Total capital | 26,163,000 | 26,218,000 | 26,675,000 | 26,618,000 |
| Risk-weighted assets | 91,280,000 | 89,023,000 | 86,633,000 | 87,510,000 |