Call reports 2022
SPRING VALLEY CITY BANK — 2022
What SPRING VALLEY CITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 230,352,000 | 225,661,000 | 224,734,000 | 223,698,000 |
| Total loans | 135,724,000 | 142,318,000 | 145,072,000 | 148,420,000 |
| Allowance for loan losses | 1,628,000 | 1,634,000 | 1,648,000 | 1,679,000 |
| Securities available for sale | 76,600,000 | 67,261,000 | 59,917,000 | 57,824,000 |
| Securities held to maturity | 1,414,000 | 1,413,000 | 1,367,000 | 1,344,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,644,000 | 189,447,000 | 187,349,000 | 190,625,000 |
| Interest-bearing deposits | 161,935,000 | 157,482,000 | 156,005,000 | 157,425,000 |
| Noninterest-bearing deposits | 30,709,000 | 31,965,000 | 31,344,000 | 33,200,000 |
| Equity capital | 27,255,000 | 24,678,000 | 23,246,000 | 23,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,642,000 | 3,349,000 | 5,141,000 | 7,056,000 |
| Interest expense | 185,000 | 367,000 | 614,000 | 953,000 |
| Net interest income | 1,457,000 | 2,982,000 | 4,527,000 | 6,103,000 |
| Noninterest income | 109,000 | 257,000 | 369,000 | 475,000 |
| Noninterest expense | 1,016,000 | 2,020,000 | 3,006,000 | 4,040,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 50,000 |
| Pretax income | 550,000 | 1,221,000 | 1,873,000 | 2,491,000 |
| Income tax | 116,000 | 270,000 | 420,000 | 590,000 |
| Net income | 434,000 | 951,000 | 1,453,000 | 1,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,935,000 | 29,733,000 | 30,236,000 | 29,810,000 |
| Total capital | 31,559,000 | 31,367,000 | 31,884,000 | 31,489,000 |
| Risk-weighted assets | 129,932,000 | 138,609,000 | 139,977,000 | 144,096,000 |