Call reports 2010
SPIRO STATE BANK — 2010
What SPIRO STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 50,447,000 | 51,309,000 | 50,171,000 | 51,062,000 |
| Total loans | 16,466,000 | 16,152,000 | 16,222,000 | 15,889,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 9,359,000 | 11,326,000 | 8,805,000 | 8,095,000 |
| Securities held to maturity | 12,332,000 | 11,288,000 | 13,048,000 | 11,121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,248,000 | 45,022,000 | 43,817,000 | 44,785,000 |
| Interest-bearing deposits | 30,168,000 | 31,349,000 | 30,460,000 | 30,664,000 |
| Noninterest-bearing deposits | 14,080,000 | 13,673,000 | 13,357,000 | 14,121,000 |
| Equity capital | 6,103,000 | 6,181,000 | 6,249,000 | 6,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 470,000 | 949,000 | 1,414,000 | 1,846,000 |
| Interest expense | 53,000 | 105,000 | 157,000 | 208,000 |
| Net interest income | 417,000 | 844,000 | 1,257,000 | 1,638,000 |
| Noninterest income | 139,000 | 282,000 | 432,000 | 578,000 |
| Noninterest expense | 513,000 | 991,000 | 1,480,000 | 2,069,000 |
| Provision for loan losses | -13,000 | -10,000 | -11,000 | -3,000 |
| Pretax income | 56,000 | 145,000 | 220,000 | 150,000 |
| Income tax | 0 | 0 | 0 | -61,000 |
| Net income | 56,000 | 145,000 | 220,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,994,000 | 6,083,000 | 6,157,000 | 6,149,000 |
| Total capital | 6,295,000 | 6,344,000 | 6,417,000 | 6,413,000 |
| Risk-weighted assets | 23,974,000 | 20,707,000 | 20,626,000 | 20,984,000 |
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