Call reports 2016
SCOTT VALLEY BANK — 2016
What SCOTT VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 601,768,000 | 596,802,000 | 629,087,000 | 660,704,000 |
| Total loans | 353,486,000 | 375,114,000 | 385,289,000 | 414,523,000 |
| Allowance for loan losses | 4,920,000 | 4,954,000 | 4,999,000 | 5,435,000 |
| Securities available for sale | 172,935,000 | 161,372,000 | 160,426,000 | 179,196,000 |
| Securities held to maturity | 2,126,000 | 1,904,000 | 4,533,000 | 4,053,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,853,000 | 520,398,000 | 551,908,000 | 583,683,000 |
| Interest-bearing deposits | 342,943,000 | 316,552,000 | 346,996,000 | 359,462,000 |
| Noninterest-bearing deposits | 183,910,000 | 203,846,000 | 204,912,000 | 224,221,000 |
| Equity capital | 64,835,000 | 66,365,000 | 67,158,000 | 66,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,390,000 | 10,940,000 | 16,630,000 | 22,688,000 |
| Interest expense | 104,000 | 204,000 | 305,000 | 415,000 |
| Net interest income | 5,286,000 | 10,736,000 | 16,325,000 | 22,273,000 |
| Noninterest income | 721,000 | 1,470,000 | 2,209,000 | 2,725,000 |
| Noninterest expense | 4,230,000 | 8,655,000 | 13,268,000 | 17,782,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 450,000 |
| Pretax income | 1,777,000 | 3,569,000 | 5,259,000 | 6,784,000 |
| Income tax | 616,000 | 1,202,000 | 1,739,000 | 2,205,000 |
| Net income | 1,161,000 | 2,367,000 | 3,520,000 | 4,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,710,000 | 64,915,000 | 66,068,000 | 67,128,000 |
| Total capital | 68,812,000 | 70,041,000 | 71,236,000 | 72,719,000 |
| Risk-weighted assets | 485,918,000 | 496,933,000 | 512,818,000 | 541,496,000 |