Call reports 2006
SPRINGS VALLEY BANK & TRUST COMPANY — 2006
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 226,638,000 | 227,507,000 | 267,027,000 | 263,004,000 |
| Total loans | 173,698,000 | 171,924,000 | 168,857,000 | 168,928,000 |
| Allowance for loan losses | 2,646,000 | 2,640,000 | 2,628,000 | 2,319,000 |
| Securities available for sale | 25,735,000 | 33,574,000 | 37,633,000 | 38,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,045,000 | 180,589,000 | 224,505,000 | 219,927,000 |
| Interest-bearing deposits | 159,976,000 | 154,770,000 | 169,081,000 | 186,465,000 |
| Noninterest-bearing deposits | 20,069,000 | 25,819,000 | 55,424,000 | 33,462,000 |
| Equity capital | 21,879,000 | 22,091,000 | 22,788,000 | 23,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,345,000 | 6,805,000 | 10,562,000 | 14,557,000 |
| Interest expense | 1,660,000 | 3,431,000 | 5,312,000 | 7,386,000 |
| Net interest income | 1,685,000 | 3,374,000 | 5,250,000 | 7,171,000 |
| Noninterest income | 585,000 | 1,255,000 | 1,877,000 | 2,544,000 |
| Noninterest expense | 1,967,000 | 3,797,000 | 5,619,000 | 7,741,000 |
| Provision for loan losses | 7,000 | 13,000 | 13,000 | -188,000 |
| Pretax income | 296,000 | 787,000 | 1,463,000 | 2,132,000 |
| Income tax | 65,000 | 202,000 | 395,000 | 588,000 |
| Net income | 231,000 | 585,000 | 1,068,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,761,000 | 22,311,000 | 22,803,000 | 23,285,000 |
| Total capital | 23,853,000 | 24,379,000 | 24,935,000 | 25,408,000 |
| Risk-weighted assets | 166,863,000 | 164,846,000 | 170,046,000 | 169,650,000 |