Call reports 2003
SCOTT VALLEY BANK — 2003
What SCOTT VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 260,111,000 | 282,732,000 | 289,424,000 | 276,628,000 |
| Total loans | 160,041,000 | 149,644,000 | 156,809,000 | 159,629,000 |
| Allowance for loan losses | 2,546,000 | 2,652,000 | 2,655,000 | 2,683,000 |
| Securities available for sale | 71,342,000 | 97,250,000 | 106,904,000 | 97,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,300,000 | 243,828,000 | 250,296,000 | 238,396,000 |
| Interest-bearing deposits | 171,386,000 | 188,474,000 | 187,509,000 | 179,551,000 |
| Noninterest-bearing deposits | 52,913,000 | 55,354,000 | 62,787,000 | 58,845,000 |
| Equity capital | 30,699,000 | 31,707,000 | 31,654,000 | 32,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,601,000 | 7,119,000 | 10,685,000 | 14,258,000 |
| Interest expense | 577,000 | 1,195,000 | 1,775,000 | 2,297,000 |
| Net interest income | 3,024,000 | 5,924,000 | 8,910,000 | 11,961,000 |
| Noninterest income | 471,000 | 992,000 | 1,371,000 | 1,799,000 |
| Noninterest expense | 2,196,000 | 4,618,000 | 7,126,000 | 9,708,000 |
| Provision for loan losses | 180,000 | 315,000 | 315,000 | 365,000 |
| Pretax income | 1,140,000 | 2,004,000 | 2,861,000 | 3,583,000 |
| Income tax | 389,000 | 661,000 | 912,000 | 1,117,000 |
| Net income | 751,000 | 1,343,000 | 1,949,000 | 2,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,744,000 | 29,358,000 | 29,991,000 | 30,535,000 |
| Total capital | 31,290,000 | 31,967,000 | 32,646,000 | 33,218,000 |
| Risk-weighted assets | 212,503,000 | 208,670,000 | 223,992,000 | 218,700,000 |