Call reports 2018
SPRING VALLEY CITY BANK — 2018
What SPRING VALLEY CITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 186,224,000 | 182,820,000 | 185,158,000 | 182,712,000 |
| Total loans | 86,298,000 | 86,621,000 | 89,997,000 | 90,413,000 |
| Allowance for loan losses | 1,925,000 | 1,912,000 | 1,917,000 | 1,914,000 |
| Securities available for sale | 67,032,000 | 66,423,000 | 65,829,000 | 65,846,000 |
| Securities held to maturity | 15,985,000 | 15,366,000 | 15,163,000 | 12,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,024,000 | 155,802,000 | 158,040,000 | 153,036,000 |
| Interest-bearing deposits | 136,880,000 | 133,278,000 | 136,901,000 | 132,388,000 |
| Noninterest-bearing deposits | 22,144,000 | 22,524,000 | 21,139,000 | 20,648,000 |
| Equity capital | 25,511,000 | 25,274,000 | 25,468,000 | 26,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,564,000 | 3,112,000 | 4,687,000 | 6,304,000 |
| Interest expense | 232,000 | 467,000 | 718,000 | 973,000 |
| Net interest income | 1,332,000 | 2,645,000 | 3,969,000 | 5,331,000 |
| Noninterest income | 106,000 | 213,000 | 331,000 | 442,000 |
| Noninterest expense | 850,000 | 1,689,000 | 2,558,000 | 3,473,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 594,000 | 1,180,000 | 1,753,000 | 2,311,000 |
| Income tax | 115,000 | 226,000 | 332,000 | 437,000 |
| Net income | 479,000 | 954,000 | 1,421,000 | 1,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,163,000 | 27,128,000 | 27,595,000 | 27,523,000 |
| Total capital | 28,322,000 | 28,298,000 | 28,803,000 | 28,728,000 |
| Risk-weighted assets | 91,926,000 | 92,865,000 | 95,967,000 | 95,711,000 |