Call reports 2015
SCOTT VALLEY BANK — 2015
What SCOTT VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 590,261,000 | 601,643,000 | 605,541,000 | 587,905,000 |
| Total loans | 324,704,000 | 350,247,000 | 353,720,000 | 347,899,000 |
| Allowance for loan losses | 4,911,000 | 4,919,000 | 4,872,000 | 4,868,000 |
| Securities available for sale | 169,798,000 | 171,898,000 | 182,507,000 | 177,380,000 |
| Securities held to maturity | 2,906,000 | 2,888,000 | 2,664,000 | 2,410,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,176,000 | 528,529,000 | 530,344,000 | 511,977,000 |
| Interest-bearing deposits | 334,031,000 | 346,385,000 | 332,835,000 | 334,634,000 |
| Noninterest-bearing deposits | 184,145,000 | 182,144,000 | 197,509,000 | 177,343,000 |
| Equity capital | 61,659,000 | 62,507,000 | 64,113,000 | 64,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,920,000 | 10,110,000 | 15,528,000 | 21,124,000 |
| Interest expense | 110,000 | 218,000 | 328,000 | 433,000 |
| Net interest income | 4,810,000 | 9,892,000 | 15,200,000 | 20,691,000 |
| Noninterest income | 731,000 | 1,506,000 | 2,131,000 | 2,697,000 |
| Noninterest expense | 4,111,000 | 8,055,000 | 12,097,000 | 16,348,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,430,000 | 3,343,000 | 5,234,000 | 7,040,000 |
| Income tax | 452,000 | 1,123,000 | 1,807,000 | 2,535,000 |
| Net income | 978,000 | 2,220,000 | 3,427,000 | 4,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,921,000 | 62,163,000 | 63,370,000 | 64,449,000 |
| Total capital | 65,999,000 | 67,243,000 | 68,403,000 | 69,495,000 |
| Risk-weighted assets | 453,852,000 | 481,262,000 | 494,170,000 | 483,385,000 |