Call reports 2014
SCOTT VALLEY BANK — 2014
What SCOTT VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 551,669,000 | 556,036,000 | 572,131,000 | 576,796,000 |
| Total loans | 305,151,000 | 311,088,000 | 343,822,000 | 338,283,000 |
| Allowance for loan losses | 4,782,000 | 4,991,000 | 5,028,000 | 4,919,000 |
| Securities available for sale | 182,926,000 | 173,477,000 | 182,291,000 | 175,769,000 |
| Securities held to maturity | 3,097,000 | 4,604,000 | 4,188,000 | 4,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,919,000 | 486,330,000 | 493,218,000 | 505,152,000 |
| Interest-bearing deposits | 325,970,000 | 325,823,000 | 322,208,000 | 329,711,000 |
| Noninterest-bearing deposits | 157,949,000 | 160,507,000 | 171,010,000 | 175,441,000 |
| Equity capital | 59,119,000 | 60,429,000 | 61,048,000 | 62,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,795,000 | 9,608,000 | 14,536,000 | 19,892,000 |
| Interest expense | 134,000 | 253,000 | 372,000 | 484,000 |
| Net interest income | 4,661,000 | 9,355,000 | 14,164,000 | 19,408,000 |
| Noninterest income | 488,000 | 1,032,000 | 1,528,000 | 2,221,000 |
| Noninterest expense | 3,858,000 | 7,534,000 | 11,424,000 | 15,599,000 |
| Provision for loan losses | 100,000 | 300,000 | 350,000 | 400,000 |
| Pretax income | 1,191,000 | 2,553,000 | 3,920,000 | 5,643,000 |
| Income tax | 380,000 | 833,000 | 1,301,000 | 1,885,000 |
| Net income | 811,000 | 1,720,000 | 2,619,000 | 3,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,896,000 | 59,805,000 | 60,704,000 | 61,843,000 |
| Total capital | 63,827,000 | 64,939,000 | 65,891,000 | 66,922,000 |
| Risk-weighted assets | 444,141,000 | 443,248,000 | 469,941,000 | 459,230,000 |