Call reports 2007
SCOTT VALLEY BANK — 2007
What SCOTT VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 397,119,000 | 401,568,000 | 399,325,000 | 396,143,000 |
| Total loans | 283,466,000 | 285,379,000 | 279,571,000 | 280,892,000 |
| Allowance for loan losses | 4,670,000 | 4,653,000 | 4,751,000 | 4,631,000 |
| Securities available for sale | 67,261,000 | 66,056,000 | 74,138,000 | 85,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,310,000 | 341,660,000 | 340,797,000 | 335,589,000 |
| Interest-bearing deposits | 244,203,000 | 242,865,000 | 239,824,000 | 240,869,000 |
| Noninterest-bearing deposits | 95,107,000 | 98,795,000 | 100,973,000 | 94,720,000 |
| Equity capital | 43,210,000 | 44,672,000 | 46,241,000 | 47,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,807,000 | 14,112,000 | 21,152,000 | 27,893,000 |
| Interest expense | 1,885,000 | 3,874,000 | 5,888,000 | 7,896,000 |
| Net interest income | 4,922,000 | 10,238,000 | 15,264,000 | 19,997,000 |
| Noninterest income | 432,000 | 958,000 | 1,426,000 | 1,861,000 |
| Noninterest expense | 3,531,000 | 7,057,000 | 10,468,000 | 13,796,000 |
| Provision for loan losses | 0 | 0 | 105,000 | 105,000 |
| Pretax income | 1,823,000 | 4,139,000 | 6,117,000 | 7,957,000 |
| Income tax | 695,000 | 1,411,000 | 2,165,000 | 2,851,000 |
| Net income | 1,128,000 | 2,728,000 | 3,952,000 | 5,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,206,000 | 44,807,000 | 46,043,000 | 47,205,000 |
| Total capital | 47,242,000 | 48,967,000 | 50,103,000 | 51,321,000 |
| Risk-weighted assets | 345,712,000 | 359,554,000 | 352,636,000 | 360,828,000 |