Call reports 2013
SPRINGS VALLEY BANK & TRUST COMPANY — 2013
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 234,757,000 | 236,916,000 | 244,755,000 | 244,771,000 |
| Total loans | 158,909,000 | 162,464,000 | 167,904,000 | 171,567,000 |
| Allowance for loan losses | 3,424,000 | 3,378,000 | 3,143,000 | 2,928,000 |
| Securities available for sale | 48,300,000 | 46,427,000 | 48,426,000 | 45,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,539,000 | 182,236,000 | 188,998,000 | 187,102,000 |
| Interest-bearing deposits | 149,899,000 | 150,858,000 | 152,284,000 | 150,682,000 |
| Noninterest-bearing deposits | 30,640,000 | 31,378,000 | 36,714,000 | 36,420,000 |
| Equity capital | 29,495,000 | 29,035,000 | 26,908,000 | 27,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,594,000 | 5,088,000 | 7,625,000 | 10,174,000 |
| Interest expense | 390,000 | 753,000 | 1,094,000 | 1,425,000 |
| Net interest income | 2,204,000 | 4,335,000 | 6,531,000 | 8,749,000 |
| Noninterest income | 823,000 | 1,550,000 | 2,411,000 | 3,176,000 |
| Noninterest expense | 1,963,000 | 4,168,000 | 6,455,000 | 8,471,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,065,000 | 1,718,000 | 2,488,000 | 3,455,000 |
| Income tax | 350,000 | 539,000 | 776,000 | 1,083,000 |
| Net income | 715,000 | 1,179,000 | 1,712,000 | 2,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,410,000 | 28,875,000 | 27,010,000 | 27,670,000 |
| Total capital | 30,413,000 | 30,905,000 | 29,133,000 | 29,832,000 |
| Risk-weighted assets | 158,825,000 | 161,014,000 | 168,802,000 | 172,197,000 |