Call reports 2004
SCOTT VALLEY BANK — 2004
What SCOTT VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 289,527,000 | 312,300,000 | 320,077,000 | 323,811,000 |
| Total loans | 166,866,000 | 188,807,000 | 206,029,000 | 219,461,000 |
| Allowance for loan losses | 2,728,000 | 2,871,000 | 3,094,000 | 3,311,000 |
| Securities available for sale | 98,920,000 | 88,608,000 | 90,466,000 | 87,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,115,000 | 273,762,000 | 279,332,000 | 283,516,000 |
| Interest-bearing deposits | 189,721,000 | 194,679,000 | 196,467,000 | 199,919,000 |
| Noninterest-bearing deposits | 60,394,000 | 79,083,000 | 82,865,000 | 83,597,000 |
| Equity capital | 33,069,000 | 32,353,000 | 33,417,000 | 33,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,481,000 | 7,102,000 | 11,102,000 | 15,460,000 |
| Interest expense | 481,000 | 955,000 | 1,464,000 | 2,021,000 |
| Net interest income | 3,000,000 | 6,147,000 | 9,638,000 | 13,439,000 |
| Noninterest income | 493,000 | 974,000 | 1,439,000 | 1,808,000 |
| Noninterest expense | 2,624,000 | 5,296,000 | 8,088,000 | 11,025,000 |
| Provision for loan losses | 45,000 | 195,000 | 420,000 | 660,000 |
| Pretax income | 829,000 | 1,693,000 | 2,632,000 | 3,563,000 |
| Income tax | 255,000 | 525,000 | 836,000 | 1,061,000 |
| Net income | 574,000 | 1,168,000 | 1,796,000 | 2,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,134,000 | 31,696,000 | 32,368,000 | 33,100,000 |
| Total capital | 33,862,000 | 34,567,000 | 35,462,000 | 36,411,000 |
| Risk-weighted assets | 227,757,000 | 249,959,000 | 262,641,000 | 277,064,000 |