Call reports 2016
SPRING VALLEY CITY BANK — 2016
What SPRING VALLEY CITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 191,976,000 | 188,778,000 | 187,226,000 | 183,869,000 |
| Total loans | 86,388,000 | 85,823,000 | 84,586,000 | 81,124,000 |
| Allowance for loan losses | 2,005,000 | 2,000,000 | 1,987,000 | 1,950,000 |
| Securities available for sale | 72,451,000 | 69,652,000 | 66,895,000 | 70,455,000 |
| Securities held to maturity | 22,329,000 | 21,842,000 | 21,806,000 | 19,792,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,512,000 | 159,299,000 | 157,470,000 | 156,296,000 |
| Interest-bearing deposits | 143,724,000 | 140,530,000 | 137,127,000 | 136,912,000 |
| Noninterest-bearing deposits | 18,788,000 | 18,769,000 | 20,343,000 | 19,384,000 |
| Equity capital | 27,518,000 | 27,711,000 | 27,958,000 | 25,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,592,000 | 3,196,000 | 4,799,000 | 6,324,000 |
| Interest expense | 222,000 | 435,000 | 639,000 | 832,000 |
| Net interest income | 1,370,000 | 2,761,000 | 4,160,000 | 5,492,000 |
| Noninterest income | 146,000 | 277,000 | 442,000 | 603,000 |
| Noninterest expense | 918,000 | 1,806,000 | 2,700,000 | 3,607,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 598,000 | 1,232,000 | 1,902,000 | 2,488,000 |
| Income tax | 164,000 | 342,000 | 531,000 | 673,000 |
| Net income | 434,000 | 890,000 | 1,371,000 | 1,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,744,000 | 26,293,000 | 26,773,000 | 26,440,000 |
| Total capital | 27,910,000 | 27,430,000 | 27,891,000 | 27,548,000 |
| Risk-weighted assets | 92,470,000 | 90,068,000 | 88,584,000 | 87,829,000 |