Call reports 2002
SPRINGS VALLEY BANK & TRUST COMPANY — 2002
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 243,277,000 | 254,903,000 | 244,821,000 | 240,310,000 |
| Total loans | 200,786,000 | 198,333,000 | 201,954,000 | 188,125,000 |
| Allowance for loan losses | 2,123,000 | 2,152,000 | 2,111,000 | 2,176,000 |
| Securities available for sale | 26,268,000 | 27,133,000 | 28,047,000 | 27,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,726,000 | 195,786,000 | 184,401,000 | 181,560,000 |
| Interest-bearing deposits | 173,571,000 | 183,249,000 | 171,304,000 | 169,024,000 |
| Noninterest-bearing deposits | 11,155,000 | 12,537,000 | 13,097,000 | 12,536,000 |
| Equity capital | 20,663,000 | 21,213,000 | 21,157,000 | 20,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,985,000 | 7,974,000 | 11,822,000 | 15,483,000 |
| Interest expense | 1,969,000 | 3,972,000 | 5,963,000 | 7,864,000 |
| Net interest income | 2,016,000 | 4,002,000 | 5,859,000 | 7,619,000 |
| Noninterest income | 414,000 | 889,000 | 1,415,000 | 2,179,000 |
| Noninterest expense | 1,744,000 | 3,563,000 | 5,423,000 | 7,401,000 |
| Provision for loan losses | 70,000 | 175,000 | 280,000 | 959,000 |
| Pretax income | 616,000 | 1,153,000 | 1,579,000 | 1,446,000 |
| Income tax | 198,000 | 359,000 | 458,000 | 302,000 |
| Net income | 418,000 | 794,000 | 1,121,000 | 1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,479,000 | 20,798,000 | 20,462,000 | 20,410,000 |
| Total capital | 22,602,000 | 22,950,000 | 22,573,000 | 22,586,000 |
| Risk-weighted assets | 176,032,000 | 182,216,000 | 183,565,000 | 173,971,000 |