Call reports 2011
SPRINGS VALLEY BANK & TRUST COMPANY — 2011
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 231,921,000 | 228,244,000 | 230,684,000 | 232,332,000 |
| Total loans | 164,197,000 | 158,932,000 | 158,078,000 | 156,956,000 |
| Allowance for loan losses | 5,814,000 | 5,027,000 | 5,227,000 | 4,929,000 |
| Securities available for sale | 45,489,000 | 46,140,000 | 49,480,000 | 51,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,887,000 | 182,709,000 | 183,387,000 | 186,719,000 |
| Interest-bearing deposits | 165,599,000 | 159,085,000 | 158,031,000 | 157,279,000 |
| Noninterest-bearing deposits | 22,288,000 | 23,624,000 | 25,356,000 | 29,440,000 |
| Equity capital | 24,251,000 | 24,977,000 | 25,923,000 | 26,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,928,000 | 5,777,000 | 8,576,000 | 11,341,000 |
| Interest expense | 811,000 | 1,596,000 | 2,318,000 | 2,914,000 |
| Net interest income | 2,117,000 | 4,181,000 | 6,258,000 | 8,427,000 |
| Noninterest income | 534,000 | 1,229,000 | 1,908,000 | 2,773,000 |
| Noninterest expense | 1,939,000 | 3,679,000 | 5,631,000 | 7,845,000 |
| Provision for loan losses | 755,000 | 1,210,000 | 1,289,000 | 1,289,000 |
| Pretax income | -42,000 | 632,000 | 1,499,000 | 2,320,000 |
| Income tax | -81,000 | 117,000 | 393,000 | 643,000 |
| Net income | 39,000 | 515,000 | 1,106,000 | 1,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,377,000 | 24,024,000 | 24,363,000 | 25,360,000 |
| Total capital | 24,392,000 | 25,982,000 | 26,317,000 | 27,309,000 |
| Risk-weighted assets | 157,386,000 | 153,547,000 | 153,067,000 | 152,900,000 |