Call reports 2004
SPRINGS VALLEY BANK & TRUST COMPANY — 2004
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 224,954,000 | 222,460,000 | 223,998,000 | 232,033,000 |
| Total loans | 172,091,000 | 170,495,000 | 176,073,000 | 179,337,000 |
| Allowance for loan losses | 2,401,000 | 2,552,000 | 2,641,000 | 2,690,000 |
| Securities available for sale | 24,826,000 | 26,065,000 | 25,318,000 | 23,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,222,000 | 167,292,000 | 168,382,000 | 176,456,000 |
| Interest-bearing deposits | 154,980,000 | 152,120,000 | 153,210,000 | 159,883,000 |
| Noninterest-bearing deposits | 14,242,000 | 15,172,000 | 15,172,000 | 16,573,000 |
| Equity capital | 20,395,000 | 19,949,000 | 20,396,000 | 20,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,093,000 | 6,115,000 | 9,169,000 | 12,287,000 |
| Interest expense | 1,554,000 | 3,027,000 | 4,473,000 | 5,956,000 |
| Net interest income | 1,539,000 | 3,088,000 | 4,696,000 | 6,331,000 |
| Noninterest income | 661,000 | 1,317,000 | 2,037,000 | 2,589,000 |
| Noninterest expense | 2,019,000 | 3,842,000 | 5,845,000 | 7,725,000 |
| Provision for loan losses | 120,000 | 584,000 | 711,000 | 965,000 |
| Pretax income | 304,000 | 222,000 | 420,000 | 478,000 |
| Income tax | 67,000 | -13,000 | 20,000 | 21,000 |
| Net income | 237,000 | 235,000 | 400,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,931,000 | 19,930,000 | 20,097,000 | 20,152,000 |
| Total capital | 22,024,000 | 21,994,000 | 22,234,000 | 22,336,000 |
| Risk-weighted assets | 167,131,000 | 164,683,000 | 170,509,000 | 174,201,000 |