Call reports 2003
SPRINGS VALLEY BANK & TRUST COMPANY — 2003
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 242,333,000 | 241,205,000 | 238,982,000 | 235,064,000 |
| Total loans | 184,596,000 | 176,224,000 | 174,659,000 | 171,712,000 |
| Allowance for loan losses | 2,204,000 | 2,286,000 | 2,039,000 | 2,282,000 |
| Securities available for sale | 27,629,000 | 34,214,000 | 34,220,000 | 33,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,622,000 | 181,971,000 | 180,233,000 | 177,384,000 |
| Interest-bearing deposits | 170,983,000 | 167,425,000 | 166,545,000 | 164,439,000 |
| Noninterest-bearing deposits | 12,639,000 | 14,546,000 | 13,688,000 | 12,945,000 |
| Equity capital | 21,342,000 | 21,566,000 | 20,932,000 | 20,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,447,000 | 6,739,000 | 9,988,000 | 13,107,000 |
| Interest expense | 1,836,000 | 3,651,000 | 5,425,000 | 7,085,000 |
| Net interest income | 1,611,000 | 3,088,000 | 4,563,000 | 6,022,000 |
| Noninterest income | 678,000 | 1,442,000 | 2,195,000 | 2,992,000 |
| Noninterest expense | 1,811,000 | 3,600,000 | 5,531,000 | 7,712,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 1,920,000 |
| Pretax income | 441,000 | 824,000 | 1,017,000 | -513,000 |
| Income tax | 107,000 | 205,000 | 211,000 | -508,000 |
| Net income | 334,000 | 619,000 | 806,000 | -5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,655,000 | 20,816,000 | 20,556,000 | 19,694,000 |
| Total capital | 22,807,000 | 22,990,000 | 22,595,000 | 21,804,000 |
| Risk-weighted assets | 172,074,000 | 173,829,000 | 172,089,000 | 169,159,000 |