FINANCIAL HIGHLIGHTS
Springs Valley Bank & Trust Company Fact Sheet
Per Share Information ($)
Financial Highlights
|
Period Ended
|
2022 FY
12/31/2022
|
2021 FY
12/31/2021
|
2020 FY
12/31/2020
|
2019 FY
12/31/2019
|
2018 FY
12/31/2018
|
|
Balance Sheet ($000)
|
|
Total Assets
|
560,572
|
490,097
|
496,118
|
452,850
|
400,953
|
|
Total Net Loans
|
446,003
|
379,949
|
369,160
|
345,978
|
306,029
|
|
Total Deposits
|
469,223
|
386,909
|
396,987
|
361,190
|
331,854
|
|
Equity Attributable to Parent Company
|
55,197
|
56,622
|
51,370
|
45,867
|
40,651
|
|
Total Equity
|
55,197
|
56,622
|
51,370
|
45,867
|
40,651
|
|
Profitability (%)
|
|
Net Income ($000)
|
6,351
|
7,383 |
4,841 |
4,056 |
4,149 |
|
Net Income Attributable to Parent ($000)
|
6,351
|
7,383 |
4,841 |
4,056 |
4,149 |
|
ROAA
|
1.21
|
1.48 |
1.00 |
0.93 |
1.05 |
|
Core ROAA
|
1.21
|
1.48 |
1.00 |
0.78 |
1.05 |
|
ROAE
|
11.76
|
13.74 |
10.04 |
9.39 |
10.74 |
|
ROATCE
|
NA
|
NA |
NA |
9.32 |
10.66 |
|
Core ROAE
|
11.76
|
13.73 |
10.02 |
7.83 |
10.74 |
|
Net Interest Margin
|
3.69
|
3.99 |
3.65 |
3.40 |
3.51 |
|
Reported: Net Interest Margin
|
3.69
|
3.99 |
3.65 |
3.39 |
3.44 |
|
Efficiency Ratio
|
68.48
|
63.19 |
64.87 |
75.25 |
68.81 |
|
Noninterest Inc/Operating Rev
|
31.99
|
31.38 |
31.92 |
26.35 |
28.69 |
|
Balance Sheet Ratios (%)
|
|
Loans/Deposits
|
NA |
99.72
|
94.27 |
96.95
|
93.35
|
|
Securities/Assets
|
10.81
|
14.12 |
12.94 |
13.33
|
14.42
|
|
Total Equity/Total Assets
|
9.85
|
11.55 |
10.35 |
10.13
|
10.14
|
|
Tangible Equity/Tangible Assets
|
9.85
|
11.55 |
10.35 |
10.13
|
10.14
|
|
Tang Common Equity/Tang Assets
|
9.82
|
11.53 |
10.33 |
10.10
|
10.11
|
|
Asset Quality (%)
|
|
NPAs/Assets
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
NPA Excl Restructured/Assets
|
0.56
|
0.26 |
0.41 |
0.49 |
0.51
|
|
NPAs & 90+ PD/Assets
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
NPAs/Loans & REO
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Nonaccrual & 90+ & OREO/Assets
|
0.62
|
0.35 |
0.52 |
0.58 |
0.61
|
|
NPAs & 90+ PD/Loans & REO
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
NPA & Loans 90+/Tangible Common Equity + LLR
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
NCOs/Avg Loans
|
NA
|
0.00 |
0.35 |
0.13 |
0.11
|
|
Loan Loss Reserves/Gross Loans
|
NA
|
1.88 |
1.60 |
1.24 |
1.26 |
|
Reserves/NPAs
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Loan Loss Provision/NCO
|
NA
|
NA
|
224.43
|
202.05 |
227.58
|
|
Capital Adequacy
|
|
Tier 1 Common Capital (CET1) ($000)
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Tier 1 Capital ($000)
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Tier 2 Capital ($000)
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Total Capital ($000)
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Total Risk-weighted Assets ($000)
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Tier 1 Common Capital (CET1) Ratio(%)
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Tier 1 Ratio (%)
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Total Capital Ratio (%)
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Liquidity Coverage Ratio (%)
|
NA
|
NA
|
NA
|
NA
|
NA |
|
Leverage Ratio (%)
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Basel III Leverage Ratio (%)
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Per Share Information ($)
|
|
Common Shares Outstanding (actual)
|
1,097,144
|
1,098,692 |
1,118,272 |
1,118,272 |
1,118,272
|
|
Avg Diluted Shares (actual)
|
1,099,792
|
1,102,598 |
1,118,272 |
1,118,272 |
1,118,272 |
|
Basic Book Value per Share
|
50.20
|
51.42 |
45.83 |
40.90 |
36.24
|
|
Book Value per Share, As Reported
|
50.31
|
51.54 |
45.94 |
41.02 |
36.35
|
|
Basic Tangible Book Value per Share
|
50.20 |
51.42
|
45.83 |
40.90 |
36.24
|
|
Tangible Book Value per Share, As Reported
|
50.31
|
51.54 |
45.94 |
41.02 |
36.35
|
|
Common Dividends Declared per Share
|
0.6400
|
0.4050 |
0.5200 |
0.5000 |
0.4750
|
|
EPS after Extra
|
5.78
|
6.70 |
4.32 |
3.61 |
3.70
|
|
EPS after Extra Growth (%)
|
(13.70)
|
55.30 |
19.50 |
(2.40)
|
21.10 |
|
Core EPS
|
NA
|
NA |
NA |
3.01 |
3.70
|
|
Core EPS Growth (%)
|
NA
|
NA |
NA |
(18.60) |
20.80
|
|
Diluted EPS before Amortization
|
NA
|
NA |
NA |
3.61 |
3.70
|
|
Pre-Provision Earnings per Share
|
NA
|
NA |
NA |
3.32 |
3.98
|
SOURCE: S&P Global
|