Call reports 2021
SPRING VALLEY CITY BANK — 2021
What SPRING VALLEY CITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 220,650,000 | 230,000,000 | 238,650,000 | 231,801,000 |
| Total loans | 133,304,000 | 135,194,000 | 130,047,000 | 132,081,000 |
| Allowance for loan losses | 1,750,000 | 1,757,000 | 1,674,000 | 1,621,000 |
| Securities available for sale | 71,887,000 | 74,381,000 | 82,567,000 | 83,213,000 |
| Securities held to maturity | 3,663,000 | 3,057,000 | 2,765,000 | 2,443,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,751,000 | 188,927,000 | 197,175,000 | 191,209,000 |
| Interest-bearing deposits | 151,819,000 | 157,710,000 | 166,628,000 | 161,411,000 |
| Noninterest-bearing deposits | 32,932,000 | 31,217,000 | 30,547,000 | 29,798,000 |
| Equity capital | 30,425,000 | 30,575,000 | 31,032,000 | 30,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,838,000 | 3,614,000 | 5,365,000 | 7,027,000 |
| Interest expense | 224,000 | 435,000 | 649,000 | 852,000 |
| Net interest income | 1,614,000 | 3,179,000 | 4,716,000 | 6,175,000 |
| Noninterest income | 108,000 | 223,000 | 336,000 | 450,000 |
| Noninterest expense | 989,000 | 1,921,000 | 2,880,000 | 3,889,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 733,000 | 1,481,000 | 2,174,000 | 2,738,000 |
| Income tax | 166,000 | 337,000 | 492,000 | 612,000 |
| Net income | 567,000 | 1,144,000 | 1,682,000 | 2,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,219,000 | 29,244,000 | 29,782,000 | 29,502,000 |
| Total capital | 30,742,000 | 30,817,000 | 31,321,000 | 31,085,000 |
| Risk-weighted assets | 121,602,000 | 125,676,000 | 122,961,000 | 126,633,000 |