Call reports 2005
SPIRO STATE BANK — 2005
What SPIRO STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 50,012,000 | 49,032,000 | 48,712,000 | 48,422,000 |
| Total loans | 14,362,000 | 14,279,000 | 13,995,000 | 13,869,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 17,372,000 | 15,444,000 | 16,355,000 | 16,238,000 |
| Securities held to maturity | 5,915,000 | 7,407,000 | 6,105,000 | 6,335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,358,000 | 43,288,000 | 42,831,000 | 42,733,000 |
| Interest-bearing deposits | 28,908,000 | 28,052,000 | 27,945,000 | 28,445,000 |
| Noninterest-bearing deposits | 15,450,000 | 15,236,000 | 14,886,000 | 14,288,000 |
| Equity capital | 5,551,000 | 5,613,000 | 5,699,000 | 5,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 516,000 | 1,058,000 | 1,611,000 | 2,186,000 |
| Interest expense | 81,000 | 179,000 | 283,000 | 405,000 |
| Net interest income | 435,000 | 879,000 | 1,328,000 | 1,781,000 |
| Noninterest income | 141,000 | 278,000 | 423,000 | 569,000 |
| Noninterest expense | 499,000 | 928,000 | 1,345,000 | 1,920,000 |
| Provision for loan losses | 7,000 | 23,000 | 33,000 | 78,000 |
| Pretax income | 70,000 | 206,000 | 373,000 | 352,000 |
| Income tax | 3,000 | 26,000 | 70,000 | 30,000 |
| Net income | 67,000 | 180,000 | 303,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,688,000 | 5,681,000 | 5,803,000 | 5,389,000 |
| Total capital | 5,937,000 | 5,926,000 | 6,044,000 | 5,629,000 |
| Risk-weighted assets | 19,793,000 | 19,431,000 | 19,157,000 | 19,044,000 |
Machine access — free, no API key
Every figure shown here about SPIRO STATE BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.