Call reports 2012
SCOTT VALLEY BANK — 2012
What SCOTT VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 491,443,000 | 502,483,000 | 524,892,000 | 539,726,000 |
| Total loans | 264,095,000 | 274,615,000 | 284,679,000 | 275,085,000 |
| Allowance for loan losses | 5,530,000 | 5,516,000 | 5,331,000 | 5,257,000 |
| Securities available for sale | 145,020,000 | 165,734,000 | 166,153,000 | 163,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,949,000 | 418,466,000 | 460,178,000 | 474,265,000 |
| Interest-bearing deposits | 297,725,000 | 297,042,000 | 323,243,000 | 326,493,000 |
| Noninterest-bearing deposits | 110,224,000 | 121,424,000 | 136,935,000 | 147,772,000 |
| Equity capital | 56,603,000 | 57,387,000 | 58,440,000 | 58,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,928,000 | 9,813,000 | 14,753,000 | 19,723,000 |
| Interest expense | 395,000 | 752,000 | 1,056,000 | 1,325,000 |
| Net interest income | 4,533,000 | 9,061,000 | 13,697,000 | 18,398,000 |
| Noninterest income | 415,000 | 882,000 | 1,377,000 | 1,853,000 |
| Noninterest expense | 3,876,000 | 7,544,000 | 11,486,000 | 15,430,000 |
| Provision for loan losses | 150,000 | 225,000 | 225,000 | 225,000 |
| Pretax income | 960,000 | 2,292,000 | 3,729,000 | 4,962,000 |
| Income tax | 255,000 | 704,000 | 1,177,000 | 1,560,000 |
| Net income | 705,000 | 1,588,000 | 2,552,000 | 3,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,572,000 | 55,520,000 | 56,489,000 | 57,334,000 |
| Total capital | 59,037,000 | 60,256,000 | 61,334,000 | 62,060,000 |
| Risk-weighted assets | 355,302,000 | 377,245,000 | 386,267,000 | 377,299,000 |