Call reports 2006
SCOTT VALLEY BANK — 2006
What SCOTT VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 383,859,000 | 394,827,000 | 429,499,000 | 403,993,000 |
| Total loans | 277,749,000 | 288,443,000 | 292,036,000 | 289,461,000 |
| Allowance for loan losses | 3,997,000 | 4,331,000 | 4,399,000 | 4,681,000 |
| Securities available for sale | 79,695,000 | 68,892,000 | 72,276,000 | 70,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,473,000 | 348,433,000 | 375,465,000 | 349,056,000 |
| Interest-bearing deposits | 235,332,000 | 246,546,000 | 275,575,000 | 248,324,000 |
| Noninterest-bearing deposits | 101,141,000 | 101,887,000 | 99,890,000 | 100,731,000 |
| Equity capital | 37,985,000 | 39,065,000 | 40,625,000 | 41,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,170,000 | 12,675,000 | 19,653,000 | 26,729,000 |
| Interest expense | 1,071,000 | 2,414,000 | 4,151,000 | 5,994,000 |
| Net interest income | 5,099,000 | 10,261,000 | 15,502,000 | 20,735,000 |
| Noninterest income | 462,000 | 949,000 | 1,379,000 | 1,786,000 |
| Noninterest expense | 3,345,000 | 6,584,000 | 9,890,000 | 13,178,000 |
| Provision for loan losses | 0 | 348,000 | 420,000 | 720,000 |
| Pretax income | 2,216,000 | 4,265,000 | 6,281,000 | 8,333,000 |
| Income tax | 826,000 | 1,599,000 | 2,548,000 | 3,339,000 |
| Net income | 1,390,000 | 2,666,000 | 3,733,000 | 4,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,352,000 | 39,624,000 | 40,751,000 | 42,046,000 |
| Total capital | 42,486,000 | 44,011,000 | 44,950,000 | 46,150,000 |
| Risk-weighted assets | 339,989,000 | 350,904,000 | 359,175,000 | 348,767,000 |