Call reports 2009
SPRINGS VALLEY BANK & TRUST COMPANY — 2009
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 248,769,000 | 246,080,000 | 248,705,000 | 253,523,000 |
| Total loans | 192,155,000 | 189,240,000 | 190,286,000 | 190,132,000 |
| Allowance for loan losses | 4,054,000 | 3,286,000 | 3,754,000 | 4,455,000 |
| Securities available for sale | 39,054,000 | 37,206,000 | 39,880,000 | 40,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,378,000 | 195,868,000 | 200,631,000 | 196,858,000 |
| Interest-bearing deposits | 181,098,000 | 176,111,000 | 182,461,000 | 177,092,000 |
| Noninterest-bearing deposits | 20,280,000 | 19,757,000 | 18,170,000 | 19,766,000 |
| Equity capital | 24,112,000 | 24,120,000 | 24,214,000 | 23,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,503,000 | 6,960,000 | 10,257,000 | 13,561,000 |
| Interest expense | 1,263,000 | 2,494,000 | 3,749,000 | 4,969,000 |
| Net interest income | 2,240,000 | 4,466,000 | 6,508,000 | 8,592,000 |
| Noninterest income | 583,000 | 1,368,000 | 1,825,000 | 2,644,000 |
| Noninterest expense | 1,883,000 | 3,884,000 | 5,806,000 | 7,450,000 |
| Provision for loan losses | 1,032,000 | 2,008,000 | 2,925,000 | 3,856,000 |
| Pretax income | -90,000 | -34,000 | -374,000 | -128,000 |
| Income tax | -78,000 | -198,000 | -374,000 | -380,000 |
| Net income | -12,000 | 164,000 | 0 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,312,000 | 23,486,000 | 23,334,000 | 22,986,000 |
| Total capital | 25,647,000 | 25,798,000 | 25,590,000 | 25,350,000 |
| Risk-weighted assets | 185,061,000 | 183,982,000 | 183,465,000 | 187,043,000 |