Call reports 2016
SPRINGS VALLEY BANK & TRUST COMPANY — 2016
What SPRINGS VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 329,316,000 | 340,907,000 | 344,863,000 | 353,997,000 |
| Total loans | 249,846,000 | 260,018,000 | 262,148,000 | 273,107,000 |
| Allowance for loan losses | 2,765,000 | 2,986,000 | 3,148,000 | 3,234,000 |
| Securities available for sale | 48,009,000 | 49,974,000 | 50,320,000 | 49,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,288,000 | 277,569,000 | 266,710,000 | 286,044,000 |
| Interest-bearing deposits | 206,153,000 | 222,696,000 | 213,054,000 | 234,137,000 |
| Noninterest-bearing deposits | 53,135,000 | 54,873,000 | 53,656,000 | 51,907,000 |
| Equity capital | 32,722,000 | 33,956,000 | 34,543,000 | 33,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,245,000 | 6,642,000 | 10,080,000 | 13,555,000 |
| Interest expense | 434,000 | 884,000 | 1,370,000 | 1,883,000 |
| Net interest income | 2,811,000 | 5,758,000 | 8,710,000 | 11,672,000 |
| Noninterest income | 1,087,000 | 2,139,000 | 3,286,000 | 4,298,000 |
| Noninterest expense | 2,497,000 | 5,180,000 | 8,158,000 | 11,211,000 |
| Provision for loan losses | 125,000 | 350,000 | 500,000 | 750,000 |
| Pretax income | 1,276,000 | 2,367,000 | 3,338,000 | 4,009,000 |
| Income tax | 386,000 | 705,000 | 1,002,000 | 1,133,000 |
| Net income | 890,000 | 1,662,000 | 2,336,000 | 2,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,625,000 | 32,272,000 | 32,945,000 | 33,469,000 |
| Total capital | 34,390,000 | 35,383,000 | 36,218,000 | 36,828,000 |
| Risk-weighted assets | 242,738,000 | 257,906,000 | 260,685,000 | 264,382,000 |