Call reports 2006
SPIRO STATE BANK — 2006
What SPIRO STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 49,305,000 | 48,696,000 | 46,763,000 | 49,659,000 |
| Total loans | 14,279,000 | 14,774,000 | 14,587,000 | 14,163,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 16,703,000 | 16,550,000 | 15,693,000 | 15,272,000 |
| Securities held to maturity | 6,585,000 | 6,700,000 | 6,472,000 | 6,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,492,000 | 42,742,000 | 40,609,000 | 43,556,000 |
| Interest-bearing deposits | 28,858,000 | 27,516,000 | 25,553,000 | 28,796,000 |
| Noninterest-bearing deposits | 14,634,000 | 15,226,000 | 15,056,000 | 14,760,000 |
| Equity capital | 5,645,000 | 5,739,000 | 5,880,000 | 5,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 597,000 | 1,230,000 | 1,865,000 | 2,500,000 |
| Interest expense | 122,000 | 260,000 | 405,000 | 567,000 |
| Net interest income | 475,000 | 970,000 | 1,460,000 | 1,933,000 |
| Noninterest income | 155,000 | 307,000 | 438,000 | 606,000 |
| Noninterest expense | 492,000 | 933,000 | 1,376,000 | 1,982,000 |
| Provision for loan losses | 1,000 | 20,000 | 16,000 | 36,000 |
| Pretax income | 137,000 | 324,000 | 506,000 | 523,000 |
| Income tax | 17,000 | 69,000 | 115,000 | 86,000 |
| Net income | 120,000 | 255,000 | 391,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,823,000 | 5,958,000 | 5,974,000 | 5,900,000 |
| Total capital | 6,069,000 | 6,207,000 | 6,229,000 | 6,144,000 |
| Risk-weighted assets | 19,507,000 | 19,762,000 | 20,257,000 | 19,400,000 |
Machine access — free, no API key
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