Call reports 2008
SPRINGS VALLEY BANK & TRUST COMPANY — 2008
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 256,418,000 | 248,209,000 | 252,157,000 | 250,605,000 |
| Total loans | 185,963,000 | 188,775,000 | 194,261,000 | 190,275,000 |
| Allowance for loan losses | 2,143,000 | 2,210,000 | 3,488,000 | 3,125,000 |
| Securities available for sale | 40,253,000 | 39,607,000 | 40,028,000 | 40,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,891,000 | 190,798,000 | 190,608,000 | 198,473,000 |
| Interest-bearing deposits | 191,736,000 | 172,295,000 | 172,160,000 | 181,805,000 |
| Noninterest-bearing deposits | 19,155,000 | 18,503,000 | 18,448,000 | 16,668,000 |
| Equity capital | 25,236,000 | 25,074,000 | 25,018,000 | 24,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,771,000 | 7,491,000 | 11,229,000 | 14,897,000 |
| Interest expense | 1,947,000 | 3,555,000 | 5,135,000 | 6,572,000 |
| Net interest income | 1,824,000 | 3,936,000 | 6,094,000 | 8,325,000 |
| Noninterest income | 588,000 | 1,211,000 | 1,821,000 | 3,097,000 |
| Noninterest expense | 1,901,000 | 3,915,000 | 5,848,000 | 8,233,000 |
| Provision for loan losses | 67,000 | 163,000 | 1,490,000 | 3,571,000 |
| Pretax income | 453,000 | 1,078,000 | 588,000 | -371,000 |
| Income tax | 129,000 | 322,000 | 88,000 | -577,000 |
| Net income | 324,000 | 756,000 | 500,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,436,000 | 24,868,000 | 24,617,000 | 23,324,000 |
| Total capital | 26,579,000 | 27,078,000 | 26,959,000 | 25,517,000 |
| Risk-weighted assets | 191,444,000 | 190,807,000 | 186,253,000 | 181,012,000 |