Call reports 2007
SPRINGS VALLEY BANK & TRUST COMPANY — 2007
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 249,176,000 | 243,748,000 | 238,688,000 | 247,845,000 |
| Total loans | 170,725,000 | 174,984,000 | 177,719,000 | 183,470,000 |
| Allowance for loan losses | 2,265,000 | 2,191,000 | 2,158,000 | 2,141,000 |
| Securities available for sale | 38,770,000 | 38,548,000 | 38,793,000 | 41,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,748,000 | 199,694,000 | 188,592,000 | 193,671,000 |
| Interest-bearing deposits | 183,444,000 | 179,504,000 | 170,421,000 | 174,173,000 |
| Noninterest-bearing deposits | 22,304,000 | 20,190,000 | 18,171,000 | 19,498,000 |
| Equity capital | 23,740,000 | 24,246,000 | 24,933,000 | 24,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,976,000 | 7,832,000 | 11,687,000 | 15,505,000 |
| Interest expense | 2,161,000 | 4,292,000 | 6,393,000 | 8,498,000 |
| Net interest income | 1,815,000 | 3,540,000 | 5,294,000 | 7,007,000 |
| Noninterest income | 636,000 | 2,208,000 | 2,808,000 | 3,561,000 |
| Noninterest expense | 1,914,000 | 4,330,000 | 6,240,000 | 8,196,000 |
| Provision for loan losses | 6,000 | 13,000 | 20,000 | 36,000 |
| Pretax income | 377,000 | 1,285,000 | 1,722,000 | 2,222,000 |
| Income tax | 85,000 | 162,000 | 285,000 | 382,000 |
| Net income | 292,000 | 1,123,000 | 1,437,000 | 1,840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,592,000 | 24,443,000 | 24,778,000 | 24,110,000 |
| Total capital | 25,705,000 | 26,577,000 | 26,929,000 | 26,251,000 |
| Risk-weighted assets | 168,876,000 | 170,742,000 | 172,066,000 | 175,541,000 |