Call reports 2008
SPIRO STATE BANK — 2008
What SPIRO STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 51,454,000 | 53,264,000 | 48,423,000 | 50,537,000 |
| Total loans | 15,566,000 | 15,875,000 | 16,032,000 | 15,664,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 14,391,000 | 13,043,000 | 13,095,000 | 15,145,000 |
| Securities held to maturity | 8,629,000 | 8,173,000 | 8,678,000 | 8,845,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,519,000 | 46,698,000 | 41,696,000 | 43,694,000 |
| Interest-bearing deposits | 31,052,000 | 32,329,000 | 28,477,000 | 29,962,000 |
| Noninterest-bearing deposits | 13,467,000 | 14,369,000 | 13,219,000 | 13,732,000 |
| Equity capital | 6,616,000 | 6,386,000 | 6,537,000 | 6,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 639,000 | 1,235,000 | 1,824,000 | 2,374,000 |
| Interest expense | 151,000 | 267,000 | 372,000 | 439,000 |
| Net interest income | 488,000 | 968,000 | 1,452,000 | 1,935,000 |
| Noninterest income | 148,000 | 288,000 | 447,000 | 604,000 |
| Noninterest expense | 504,000 | 1,004,000 | 1,481,000 | 2,112,000 |
| Provision for loan losses | -3,000 | -11,000 | -1,000 | 6,000 |
| Pretax income | 143,000 | 271,000 | 427,000 | 454,000 |
| Income tax | 13,000 | 34,000 | 68,000 | 33,000 |
| Net income | 130,000 | 237,000 | 359,000 | 421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,260,000 | 6,247,000 | 6,369,000 | 6,311,000 |
| Total capital | 6,520,000 | 6,512,000 | 6,623,000 | 6,567,000 |
| Risk-weighted assets | 20,668,000 | 21,079,000 | 20,202,000 | 20,328,000 |
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