Call reports 2005
SPRINGS VALLEY BANK & TRUST COMPANY — 2005
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 223,375,000 | 234,647,000 | 227,797,000 | 222,784,000 |
| Total loans | 181,184,000 | 186,490,000 | 184,760,000 | 176,007,000 |
| Allowance for loan losses | 2,712,000 | 2,794,000 | 2,885,000 | 2,663,000 |
| Securities available for sale | 23,233,000 | 22,124,000 | 21,702,000 | 22,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,559,000 | 185,096,000 | 178,010,000 | 174,065,000 |
| Interest-bearing deposits | 156,780,000 | 165,304,000 | 156,542,000 | 154,029,000 |
| Noninterest-bearing deposits | 14,779,000 | 19,792,000 | 21,468,000 | 20,036,000 |
| Equity capital | 20,552,000 | 21,071,000 | 21,263,000 | 21,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,166,000 | 6,496,000 | 9,872,000 | 13,245,000 |
| Interest expense | 1,504,000 | 3,106,000 | 4,746,000 | 6,378,000 |
| Net interest income | 1,662,000 | 3,390,000 | 5,126,000 | 6,867,000 |
| Noninterest income | 643,000 | 1,672,000 | 2,195,000 | 2,910,000 |
| Noninterest expense | 1,778,000 | 3,787,000 | 5,726,000 | 7,592,000 |
| Provision for loan losses | 57,000 | 161,000 | 161,000 | -29,000 |
| Pretax income | 470,000 | 1,114,000 | 1,434,000 | 2,214,000 |
| Income tax | 132,000 | 336,000 | 410,000 | 668,000 |
| Net income | 338,000 | 778,000 | 1,024,000 | 1,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,490,000 | 20,708,000 | 21,154,000 | 21,712,000 |
| Total capital | 22,647,000 | 22,946,000 | 23,316,000 | 23,788,000 |
| Risk-weighted assets | 172,032,000 | 178,503,000 | 172,218,000 | 166,099,000 |