Call reports 2008
SCOTT VALLEY BANK — 2008
What SCOTT VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 394,435,000 | 391,502,000 | 421,145,000 | 416,496,000 |
| Total loans | 279,942,000 | 294,590,000 | 306,647,000 | 304,774,000 |
| Allowance for loan losses | 4,718,000 | 4,958,000 | 5,295,000 | 5,432,000 |
| Securities available for sale | 78,711,000 | 73,940,000 | 65,504,000 | 76,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,372,000 | 325,790,000 | 351,782,000 | 346,156,000 |
| Interest-bearing deposits | 249,277,000 | 234,979,000 | 247,139,000 | 244,254,000 |
| Noninterest-bearing deposits | 85,094,000 | 90,811,000 | 104,643,000 | 101,902,000 |
| Equity capital | 49,067,000 | 49,186,000 | 48,500,000 | 49,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,053,000 | 11,717,000 | 17,261,000 | 22,642,000 |
| Interest expense | 1,925,000 | 3,546,000 | 4,973,000 | 6,386,000 |
| Net interest income | 4,128,000 | 8,171,000 | 12,288,000 | 16,256,000 |
| Noninterest income | 415,000 | 970,000 | 1,437,000 | 1,834,000 |
| Noninterest expense | 3,582,000 | 7,012,000 | 10,404,000 | 13,491,000 |
| Provision for loan losses | 85,000 | 335,000 | 685,000 | 1,385,000 |
| Pretax income | 1,566,000 | 2,488,000 | 1,939,000 | 2,451,000 |
| Income tax | 537,000 | 787,000 | 1,017,000 | 646,000 |
| Net income | 1,029,000 | 1,701,000 | 922,000 | 1,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,188,000 | 48,901,000 | 48,751,000 | 49,657,000 |
| Total capital | 52,324,000 | 53,178,000 | 53,164,000 | 54,063,000 |
| Risk-weighted assets | 364,684,000 | 371,314,000 | 383,744,000 | 375,644,000 |