Call reports 2005
SCOTT VALLEY BANK — 2005
What SCOTT VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 334,374,000 | 348,452,000 | 368,339,000 | 380,524,000 |
| Total loans | 229,041,000 | 236,676,000 | 240,660,000 | 264,897,000 |
| Allowance for loan losses | 3,614,000 | 3,847,000 | 3,971,000 | 3,992,000 |
| Securities available for sale | 83,338,000 | 77,346,000 | 84,108,000 | 90,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,057,000 | 305,925,000 | 323,044,000 | 332,117,000 |
| Interest-bearing deposits | 203,830,000 | 211,833,000 | 220,507,000 | 230,854,000 |
| Noninterest-bearing deposits | 88,227,000 | 94,092,000 | 102,537,000 | 101,262,000 |
| Equity capital | 34,146,000 | 35,057,000 | 35,635,000 | 36,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,562,000 | 9,376,000 | 14,555,000 | 20,577,000 |
| Interest expense | 634,000 | 1,365,000 | 2,248,000 | 3,248,000 |
| Net interest income | 3,928,000 | 8,011,000 | 12,307,000 | 17,329,000 |
| Noninterest income | 439,000 | 872,000 | 1,312,000 | 1,739,000 |
| Noninterest expense | 2,821,000 | 6,023,000 | 9,083,000 | 12,013,000 |
| Provision for loan losses | 300,000 | 650,000 | 790,000 | 830,000 |
| Pretax income | 1,246,000 | 2,210,000 | 3,746,000 | 5,939,000 |
| Income tax | 430,000 | 793,000 | 1,352,000 | 2,187,000 |
| Net income | 816,000 | 1,417,000 | 2,394,000 | 3,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,937,000 | 34,554,000 | 35,553,000 | 36,939,000 |
| Total capital | 37,551,000 | 38,342,000 | 39,393,000 | 41,073,000 |
| Risk-weighted assets | 290,973,000 | 302,848,000 | 306,941,000 | 330,831,000 |