Call reports 2013
SCOTT VALLEY BANK — 2013
What SCOTT VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 534,807,000 | 539,472,000 | 567,763,000 | 568,856,000 |
| Total loans | 285,602,000 | 297,920,000 | 295,534,000 | 308,934,000 |
| Allowance for loan losses | 5,267,000 | 4,892,000 | 4,891,000 | 4,690,000 |
| Securities available for sale | 163,639,000 | 179,622,000 | 174,806,000 | 175,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 469,483,000 | 474,097,000 | 501,553,000 | 500,810,000 |
| Interest-bearing deposits | 325,735,000 | 331,050,000 | 341,885,000 | 345,327,000 |
| Noninterest-bearing deposits | 143,748,000 | 143,047,000 | 159,668,000 | 155,483,000 |
| Equity capital | 58,183,000 | 57,481,000 | 58,571,000 | 59,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,684,000 | 9,450,000 | 14,235,000 | 19,084,000 |
| Interest expense | 215,000 | 408,000 | 590,000 | 754,000 |
| Net interest income | 4,469,000 | 9,042,000 | 13,645,000 | 18,330,000 |
| Noninterest income | 538,000 | 1,084,000 | 1,680,000 | 1,922,000 |
| Noninterest expense | 4,015,000 | 7,926,000 | 11,847,000 | 15,744,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 992,000 | 2,200,000 | 3,489,000 | 4,525,000 |
| Income tax | 276,000 | 663,000 | 987,000 | 1,293,000 |
| Net income | 716,000 | 1,537,000 | 2,502,000 | 3,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,870,000 | 57,691,000 | 58,655,000 | 59,384,000 |
| Total capital | 61,821,000 | 62,721,000 | 63,688,000 | 64,212,000 |
| Risk-weighted assets | 395,567,000 | 425,692,000 | 435,469,000 | 445,068,000 |