Call reports 2010
SCOTT VALLEY BANK — 2010
What SCOTT VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 439,444,000 | 447,651,000 | 460,234,000 | 481,722,000 |
| Total loans | 274,206,000 | 268,971,000 | 268,916,000 | 271,435,000 |
| Allowance for loan losses | 5,146,000 | 5,281,000 | 5,222,000 | 5,435,000 |
| Securities available for sale | 112,423,000 | 129,371,000 | 132,439,000 | 133,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,121,000 | 365,474,000 | 376,392,000 | 400,260,000 |
| Interest-bearing deposits | 275,003,000 | 273,388,000 | 278,696,000 | 284,196,000 |
| Noninterest-bearing deposits | 90,118,000 | 92,086,000 | 97,696,000 | 116,064,000 |
| Equity capital | 53,433,000 | 54,394,000 | 54,788,000 | 54,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,953,000 | 9,955,000 | 15,004,000 | 20,092,000 |
| Interest expense | 804,000 | 1,483,000 | 2,125,000 | 2,751,000 |
| Net interest income | 4,149,000 | 8,472,000 | 12,879,000 | 17,341,000 |
| Noninterest income | 477,000 | 904,000 | 1,442,000 | 1,625,000 |
| Noninterest expense | 3,552,000 | 7,111,000 | 10,928,000 | 14,611,000 |
| Provision for loan losses | 600,000 | 1,000,000 | 1,050,000 | 1,350,000 |
| Pretax income | 565,000 | 1,363,000 | 2,441,000 | 3,103,000 |
| Income tax | 69,000 | 266,000 | 546,000 | 676,000 |
| Net income | 496,000 | 1,097,000 | 1,895,000 | 2,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,489,000 | 51,129,000 | 51,916,000 | 51,938,000 |
| Total capital | 54,862,000 | 55,422,000 | 56,163,000 | 56,189,000 |
| Risk-weighted assets | 348,915,000 | 342,362,000 | 338,659,000 | 338,006,000 |