Call reports 2019
SPRING VALLEY CITY BANK — 2019
What SPRING VALLEY CITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 185,630,000 | 188,869,000 | 189,744,000 | 190,215,000 |
| Total loans | 93,112,000 | 91,894,000 | 99,047,000 | 104,127,000 |
| Allowance for loan losses | 1,910,000 | 1,908,000 | 1,910,000 | 1,890,000 |
| Securities available for sale | 64,018,000 | 70,256,000 | 62,667,000 | 64,998,000 |
| Securities held to maturity | 11,552,000 | 11,066,000 | 11,050,000 | 8,153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,510,000 | 158,798,000 | 158,810,000 | 159,802,000 |
| Interest-bearing deposits | 132,637,000 | 136,671,000 | 138,626,000 | 139,570,000 |
| Noninterest-bearing deposits | 23,873,000 | 22,127,000 | 20,184,000 | 20,232,000 |
| Equity capital | 27,586,000 | 28,387,000 | 29,206,000 | 28,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,609,000 | 3,260,000 | 4,924,000 | 6,594,000 |
| Interest expense | 254,000 | 554,000 | 880,000 | 1,208,000 |
| Net interest income | 1,355,000 | 2,706,000 | 4,044,000 | 5,386,000 |
| Noninterest income | 102,000 | 217,000 | 351,000 | 467,000 |
| Noninterest expense | 944,000 | 1,923,000 | 2,846,000 | 3,802,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 523,000 | 1,010,000 | 1,621,000 | 2,138,000 |
| Income tax | 97,000 | 183,000 | 304,000 | 404,000 |
| Net income | 426,000 | 827,000 | 1,317,000 | 1,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,950,000 | 27,819,000 | 28,308,000 | 27,914,000 |
| Total capital | 29,175,000 | 29,033,000 | 29,551,000 | 29,171,000 |
| Risk-weighted assets | 97,339,000 | 96,462,000 | 98,760,000 | 99,952,000 |