Call reports 2014
SPRINGS VALLEY BANK & TRUST COMPANY — 2014
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 251,834,000 | 268,689,000 | 276,514,000 | 275,308,000 |
| Total loans | 178,273,000 | 190,861,000 | 193,932,000 | 196,291,000 |
| Allowance for loan losses | 2,921,000 | 2,922,000 | 2,819,000 | 2,756,000 |
| Securities available for sale | 47,181,000 | 48,069,000 | 47,199,000 | 47,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,412,000 | 201,595,000 | 214,028,000 | 213,946,000 |
| Interest-bearing deposits | 145,799,000 | 161,301,000 | 171,132,000 | 171,956,000 |
| Noninterest-bearing deposits | 36,613,000 | 40,294,000 | 42,896,000 | 41,990,000 |
| Equity capital | 28,750,000 | 29,648,000 | 28,957,000 | 29,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,490,000 | 5,189,000 | 7,876,000 | 10,530,000 |
| Interest expense | 326,000 | 682,000 | 1,053,000 | 1,420,000 |
| Net interest income | 2,164,000 | 4,507,000 | 6,823,000 | 9,110,000 |
| Noninterest income | 1,319,000 | 2,080,000 | 3,154,000 | 4,131,000 |
| Noninterest expense | 2,239,000 | 4,475,000 | 6,787,000 | 9,322,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 1,244,000 | 2,112,000 | 3,190,000 | 3,719,000 |
| Income tax | 433,000 | 697,000 | 1,053,000 | 1,190,000 |
| Net income | 811,000 | 1,415,000 | 2,137,000 | 2,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,473,000 | 29,081,000 | 28,302,000 | 28,691,000 |
| Total capital | 30,713,000 | 31,456,000 | 30,754,000 | 31,151,000 |
| Risk-weighted assets | 178,545,000 | 189,468,000 | 195,823,000 | 196,475,000 |