Call reports 2007
SPIRO STATE BANK — 2007
What SPIRO STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 49,428,000 | 49,784,000 | 50,633,000 | 52,582,000 |
| Total loans | 14,716,000 | 15,249,000 | 15,124,000 | 15,435,000 |
| Allowance for loan losses | 400,000 | 438,000 | 400,000 | 400,000 |
| Securities available for sale | 16,327,000 | 16,179,000 | 16,408,000 | 16,086,000 |
| Securities held to maturity | 7,521,000 | 7,604,000 | 7,985,000 | 7,819,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,186,000 | 43,656,000 | 44,164,000 | 46,052,000 |
| Interest-bearing deposits | 27,746,000 | 28,963,000 | 30,384,000 | 32,304,000 |
| Noninterest-bearing deposits | 15,440,000 | 14,693,000 | 13,780,000 | 13,748,000 |
| Equity capital | 6,048,000 | 5,952,000 | 6,267,000 | 6,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 674,000 | 1,363,000 | 2,059,000 | 2,766,000 |
| Interest expense | 162,000 | 327,000 | 506,000 | 690,000 |
| Net interest income | 512,000 | 1,036,000 | 1,553,000 | 2,076,000 |
| Noninterest income | 148,000 | 287,000 | 445,000 | 600,000 |
| Noninterest expense | 488,000 | 966,000 | 1,403,000 | 2,022,000 |
| Provision for loan losses | 9,000 | 48,000 | 50,000 | 99,000 |
| Pretax income | 163,000 | 309,000 | 545,000 | 555,000 |
| Income tax | 22,000 | 54,000 | 118,000 | 85,000 |
| Net income | 141,000 | 255,000 | 427,000 | 470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,041,000 | 6,035,000 | 6,207,000 | 6,130,000 |
| Total capital | 6,291,000 | 6,291,000 | 6,461,000 | 6,391,000 |
| Risk-weighted assets | 19,848,000 | 20,295,000 | 20,186,000 | 20,720,000 |
Machine access — free, no API key
Every figure shown here about SPIRO STATE BANK — 2007 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 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.