Call reports 2009
SPIRO STATE BANK — 2009
What SPIRO STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 50,915,000 | 52,422,000 | 46,611,000 | 48,269,000 |
| Total loans | 15,597,000 | 16,215,000 | 16,535,000 | 16,250,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 13,122,000 | 11,551,000 | 10,493,000 | 8,424,000 |
| Securities held to maturity | 9,342,000 | 11,893,000 | 12,522,000 | 12,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,066,000 | 45,621,000 | 40,172,000 | 41,975,000 |
| Interest-bearing deposits | 30,244,000 | 31,464,000 | 26,698,000 | 27,567,000 |
| Noninterest-bearing deposits | 13,822,000 | 14,157,000 | 13,474,000 | 14,408,000 |
| Equity capital | 6,675,000 | 6,593,000 | 6,270,000 | 6,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 516,000 | 1,019,000 | 1,522,000 | 2,007,000 |
| Interest expense | 57,000 | 112,000 | 166,000 | 218,000 |
| Net interest income | 459,000 | 907,000 | 1,356,000 | 1,789,000 |
| Noninterest income | 139,000 | 274,000 | 415,000 | 565,000 |
| Noninterest expense | 513,000 | 1,019,000 | 1,478,000 | 2,120,000 |
| Provision for loan losses | 3,000 | 7,000 | 15,000 | 70,000 |
| Pretax income | 136,000 | 209,000 | 332,000 | 218,000 |
| Income tax | 9,000 | 7,000 | 16,000 | -60,000 |
| Net income | 127,000 | 202,000 | 316,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,439,000 | 6,393,000 | 6,096,000 | 6,058,000 |
| Total capital | 6,695,000 | 6,658,000 | 6,349,000 | 6,314,000 |
| Risk-weighted assets | 20,335,000 | 21,040,000 | 20,059,000 | 20,356,000 |
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