Call reports 2010
SPRINGS VALLEY BANK & TRUST COMPANY — 2010
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 250,159,000 | 242,394,000 | 244,285,000 | 236,116,000 |
| Total loans | 186,458,000 | 183,462,000 | 179,983,000 | 171,315,000 |
| Allowance for loan losses | 5,217,000 | 5,246,000 | 5,574,000 | 5,583,000 |
| Securities available for sale | 39,243,000 | 41,018,000 | 40,597,000 | 44,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,240,000 | 194,313,000 | 199,007,000 | 189,811,000 |
| Interest-bearing deposits | 176,268,000 | 174,976,000 | 176,910,000 | 164,847,000 |
| Noninterest-bearing deposits | 19,972,000 | 19,337,000 | 22,097,000 | 24,964,000 |
| Equity capital | 23,610,000 | 23,898,000 | 24,524,000 | 23,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,297,000 | 6,558,000 | 9,730,000 | 12,741,000 |
| Interest expense | 1,165,000 | 2,185,000 | 3,096,000 | 3,965,000 |
| Net interest income | 2,132,000 | 4,373,000 | 6,634,000 | 8,776,000 |
| Noninterest income | 474,000 | 1,160,000 | 2,031,000 | 2,754,000 |
| Noninterest expense | 1,877,000 | 3,772,000 | 5,610,000 | 7,464,000 |
| Provision for loan losses | 969,000 | 1,675,000 | 2,282,000 | 3,189,000 |
| Pretax income | -239,000 | 98,000 | 931,000 | 1,035,000 |
| Income tax | -166,000 | -106,000 | 157,000 | 142,000 |
| Net income | -73,000 | 204,000 | 774,000 | 893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,813,000 | 22,159,000 | 22,728,000 | 22,095,000 |
| Total capital | 25,056,000 | 24,309,000 | 24,840,000 | 24,168,000 |
| Risk-weighted assets | 176,505,000 | 168,900,000 | 165,478,000 | 162,343,000 |