Call reports 2009
SCOTT VALLEY BANK — 2009
What SCOTT VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 420,202,000 | 432,821,000 | 451,696,000 | 449,576,000 |
| Total loans | 296,845,000 | 289,487,000 | 283,903,000 | 277,573,000 |
| Allowance for loan losses | 5,351,000 | 5,372,000 | 5,863,000 | 4,782,000 |
| Securities available for sale | 79,626,000 | 94,702,000 | 116,846,000 | 119,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,980,000 | 357,156,000 | 372,724,000 | 373,562,000 |
| Interest-bearing deposits | 253,555,000 | 262,193,000 | 273,550,000 | 269,804,000 |
| Noninterest-bearing deposits | 94,425,000 | 94,963,000 | 99,174,000 | 103,758,000 |
| Equity capital | 51,170,000 | 51,828,000 | 52,808,000 | 52,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,166,000 | 10,325,000 | 15,449,000 | 20,559,000 |
| Interest expense | 1,157,000 | 2,274,000 | 3,379,000 | 4,373,000 |
| Net interest income | 4,009,000 | 8,051,000 | 12,070,000 | 16,186,000 |
| Noninterest income | 495,000 | 1,147,000 | 1,711,000 | 2,250,000 |
| Noninterest expense | 3,316,000 | 7,150,000 | 10,696,000 | 14,145,000 |
| Provision for loan losses | 125,000 | 325,000 | 1,275,000 | 2,475,000 |
| Pretax income | 1,133,000 | 1,793,000 | 1,900,000 | 1,906,000 |
| Income tax | 336,000 | 469,000 | 357,000 | 223,000 |
| Net income | 797,000 | 1,324,000 | 1,543,000 | 1,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,999,000 | 50,551,000 | 50,794,000 | 49,738,000 |
| Total capital | 54,341,000 | 54,950,000 | 55,163,000 | 54,066,000 |
| Risk-weighted assets | 372,101,000 | 379,411,000 | 373,874,000 | 370,275,000 |