Call reports 2002
SCOTT VALLEY BANK — 2002
What SCOTT VALLEY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 239,356,000 | 244,163,000 | 246,237,000 | 248,660,000 |
| Total loans | 138,163,000 | 148,453,000 | 151,658,000 | 155,352,000 |
| Allowance for loan losses | 2,225,000 | 2,222,000 | 2,315,000 | 2,435,000 |
| Securities available for sale | 78,249,000 | 72,495,000 | 80,104,000 | 76,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,191,000 | 210,535,000 | 209,534,000 | 210,654,000 |
| Interest-bearing deposits | 164,355,000 | 161,607,000 | 162,630,000 | 161,661,000 |
| Noninterest-bearing deposits | 41,837,000 | 48,928,000 | 46,904,000 | 48,992,000 |
| Equity capital | 26,746,000 | 28,042,000 | 29,339,000 | 30,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,478,000 | 7,115,000 | 10,765,000 | 14,434,000 |
| Interest expense | 838,000 | 1,546,000 | 2,207,000 | 2,826,000 |
| Net interest income | 2,640,000 | 5,569,000 | 8,558,000 | 11,608,000 |
| Noninterest income | 383,000 | 830,000 | 1,319,000 | 1,786,000 |
| Noninterest expense | 2,001,000 | 4,030,000 | 6,110,000 | 8,298,000 |
| Provision for loan losses | 74,000 | 94,000 | 159,000 | 314,000 |
| Pretax income | 942,000 | 2,270,000 | 3,603,000 | 4,802,000 |
| Income tax | 308,000 | 775,000 | 1,267,000 | 1,677,000 |
| Net income | 634,000 | 1,495,000 | 2,336,000 | 3,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,389,000 | 26,278,000 | 27,161,000 | 27,975,000 |
| Total capital | 27,614,000 | 28,500,000 | 29,476,000 | 30,410,000 |
| Risk-weighted assets | 194,157,000 | 194,922,000 | 201,562,000 | 208,895,000 |