Call reports 2015
SPRING VALLEY CITY BANK — 2015
What SPRING VALLEY CITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 200,347,000 | 197,609,000 | 192,733,000 | 195,826,000 |
| Total loans | 83,903,000 | 85,104,000 | 85,383,000 | 87,247,000 |
| Allowance for loan losses | 2,052,000 | 2,053,000 | 2,005,000 | 2,005,000 |
| Securities available for sale | 69,233,000 | 69,297,000 | 67,229,000 | 70,733,000 |
| Securities held to maturity | 27,457,000 | 26,755,000 | 26,542,000 | 24,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,739,000 | 169,637,000 | 163,954,000 | 167,263,000 |
| Interest-bearing deposits | 152,702,000 | 148,022,000 | 147,272,000 | 145,845,000 |
| Noninterest-bearing deposits | 19,037,000 | 21,615,000 | 16,682,000 | 21,417,000 |
| Equity capital | 26,714,000 | 26,209,000 | 26,964,000 | 26,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,590,000 | 3,170,000 | 4,775,000 | 6,371,000 |
| Interest expense | 242,000 | 484,000 | 725,000 | 964,000 |
| Net interest income | 1,348,000 | 2,686,000 | 4,050,000 | 5,407,000 |
| Noninterest income | 130,000 | 306,000 | 440,000 | 581,000 |
| Noninterest expense | 902,000 | 1,806,000 | 2,722,000 | 3,654,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 576,000 | 1,186,000 | 1,787,000 | 2,353,000 |
| Income tax | 148,000 | 312,000 | 471,000 | 607,000 |
| Net income | 428,000 | 874,000 | 1,316,000 | 1,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,939,000 | 25,917,000 | 26,359,000 | 26,310,000 |
| Total capital | 27,051,000 | 27,045,000 | 27,491,000 | 27,486,000 |
| Risk-weighted assets | 88,030,000 | 89,346,000 | 89,661,000 | 93,250,000 |