Call reports 2004
SPIRO STATE BANK — 2004
What SPIRO STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 47,808,000 | 47,493,000 | 47,242,000 | 48,666,000 |
| Total loans | 14,312,000 | 14,189,000 | 14,229,000 | 14,594,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 16,273,000 | 15,903,000 | 14,597,000 | 13,528,000 |
| Securities held to maturity | 5,851,000 | 6,031,000 | 5,706,000 | 5,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,894,000 | 41,854,000 | 41,373,000 | 42,994,000 |
| Interest-bearing deposits | 28,505,000 | 27,548,000 | 28,101,000 | 28,952,000 |
| Noninterest-bearing deposits | 13,389,000 | 14,306,000 | 13,272,000 | 14,042,000 |
| Equity capital | 5,746,000 | 5,530,000 | 5,726,000 | 5,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 518,000 | 1,006,000 | 1,485,000 | 1,976,000 |
| Interest expense | 49,000 | 98,000 | 153,000 | 229,000 |
| Net interest income | 469,000 | 908,000 | 1,332,000 | 1,747,000 |
| Noninterest income | 124,000 | 249,000 | 381,000 | 513,000 |
| Noninterest expense | 473,000 | 882,000 | 1,302,000 | 1,860,000 |
| Provision for loan losses | 7,000 | 31,000 | 36,000 | 56,000 |
| Pretax income | 113,000 | 244,000 | 375,000 | 344,000 |
| Income tax | 10,000 | 38,000 | 71,000 | 29,000 |
| Net income | 103,000 | 206,000 | 304,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,649,000 | 5,631,000 | 5,730,000 | 5,621,000 |
| Total capital | 5,882,000 | 5,866,000 | 5,967,000 | 5,867,000 |
| Risk-weighted assets | 18,484,000 | 18,657,000 | 18,782,000 | 19,536,000 |
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