Call reports 2015
SPRINGS VALLEY BANK & TRUST COMPANY — 2015
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 280,004,000 | 287,546,000 | 307,935,000 | 322,560,000 |
| Total loans | 199,473,000 | 209,208,000 | 231,192,000 | 247,671,000 |
| Allowance for loan losses | 2,665,000 | 2,542,000 | 2,577,000 | 2,642,000 |
| Securities available for sale | 47,286,000 | 46,484,000 | 45,531,000 | 46,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,604,000 | 227,043,000 | 236,347,000 | 243,395,000 |
| Interest-bearing deposits | 172,964,000 | 180,678,000 | 185,344,000 | 188,982,000 |
| Noninterest-bearing deposits | 44,640,000 | 46,365,000 | 51,003,000 | 54,413,000 |
| Equity capital | 30,578,000 | 30,952,000 | 30,759,000 | 31,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,751,000 | 5,599,000 | 8,562,000 | 11,749,000 |
| Interest expense | 354,000 | 717,000 | 1,104,000 | 1,514,000 |
| Net interest income | 2,397,000 | 4,882,000 | 7,458,000 | 10,235,000 |
| Noninterest income | 818,000 | 1,821,000 | 2,868,000 | 3,887,000 |
| Noninterest expense | 2,226,000 | 4,636,000 | 7,316,000 | 9,831,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 420,000 |
| Pretax income | 989,000 | 2,067,000 | 2,962,000 | 3,873,000 |
| Income tax | 292,000 | 621,000 | 973,000 | 1,227,000 |
| Net income | 697,000 | 1,446,000 | 1,989,000 | 2,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,411,000 | 30,160,000 | 29,953,000 | 30,734,000 |
| Total capital | 31,820,000 | 32,696,000 | 32,530,000 | 33,376,000 |
| Risk-weighted assets | 192,478,000 | 202,854,000 | 224,587,000 | 238,508,000 |