Call reports 2017
SPRING VALLEY CITY BANK — 2017
What SPRING VALLEY CITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 190,789,000 | 188,730,000 | 189,795,000 | 188,140,000 |
| Total loans | 81,289,000 | 83,560,000 | 84,511,000 | 85,747,000 |
| Allowance for loan losses | 1,883,000 | 1,894,000 | 1,918,000 | 1,921,000 |
| Securities available for sale | 74,888,000 | 74,328,000 | 74,520,000 | 73,673,000 |
| Securities held to maturity | 18,214,000 | 18,112,000 | 17,880,000 | 16,497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,603,000 | 160,004,000 | 160,706,000 | 158,452,000 |
| Interest-bearing deposits | 139,858,000 | 139,309,000 | 141,642,000 | 137,623,000 |
| Noninterest-bearing deposits | 22,745,000 | 20,696,000 | 19,064,000 | 20,829,000 |
| Equity capital | 26,500,000 | 26,992,000 | 27,343,000 | 25,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,518,000 | 3,064,000 | 4,620,000 | 6,191,000 |
| Interest expense | 193,000 | 397,000 | 622,000 | 854,000 |
| Net interest income | 1,325,000 | 2,667,000 | 3,998,000 | 5,337,000 |
| Noninterest income | 143,000 | 289,000 | 416,000 | 550,000 |
| Noninterest expense | 866,000 | 1,753,000 | 2,643,000 | 3,575,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 616,000 | 1,239,000 | 1,817,000 | 2,341,000 |
| Income tax | 170,000 | 343,000 | 498,000 | 1,029,000 |
| Net income | 446,000 | 896,000 | 1,319,000 | 1,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,886,000 | 26,818,000 | 27,241,000 | 26,684,000 |
| Total capital | 28,006,000 | 27,953,000 | 28,396,000 | 27,850,000 |
| Risk-weighted assets | 88,863,000 | 90,029,000 | 91,617,000 | 92,543,000 |