Call reports 2020
SPRING VALLEY CITY BANK — 2020
What SPRING VALLEY CITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 191,299,000 | 208,336,000 | 208,262,000 | 214,623,000 |
| Total loans | 104,192,000 | 117,205,000 | 117,788,000 | 119,412,000 |
| Allowance for loan losses | 1,891,000 | 1,904,000 | 1,894,000 | 1,903,000 |
| Securities available for sale | 57,879,000 | 66,415,000 | 67,597,000 | 70,599,000 |
| Securities held to maturity | 7,834,000 | 7,577,000 | 7,346,000 | 5,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,151,000 | 172,093,000 | 171,703,000 | 178,285,000 |
| Interest-bearing deposits | 138,222,000 | 144,380,000 | 145,446,000 | 150,515,000 |
| Noninterest-bearing deposits | 22,929,000 | 27,713,000 | 26,257,000 | 27,770,000 |
| Equity capital | 28,606,000 | 30,498,000 | 31,126,000 | 30,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,668,000 | 3,429,000 | 5,050,000 | 6,657,000 |
| Interest expense | 309,000 | 543,000 | 792,000 | 1,035,000 |
| Net interest income | 1,359,000 | 2,886,000 | 4,258,000 | 5,622,000 |
| Noninterest income | 111,000 | 220,000 | 334,000 | 450,000 |
| Noninterest expense | 958,000 | 1,902,000 | 2,786,000 | 3,749,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 631,000 | 1,380,000 | 2,005,000 | 2,523,000 |
| Income tax | 134,000 | 299,000 | 429,000 | 531,000 |
| Net income | 497,000 | 1,081,000 | 1,576,000 | 1,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,411,000 | 28,450,000 | 28,945,000 | 28,652,000 |
| Total capital | 29,651,000 | 29,766,000 | 30,269,000 | 30,042,000 |
| Risk-weighted assets | 98,557,000 | 104,718,000 | 105,256,000 | 110,664,000 |