Call reports 2011
SPIRO STATE BANK — 2011
What SPIRO STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 53,641,000 | 52,960,000 | 52,237,000 | 51,439,000 |
| Total loans | 15,782,000 | 15,948,000 | 15,739,000 | 15,745,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 9,272,000 | 12,113,000 | 13,418,000 | 14,748,000 |
| Securities held to maturity | 11,422,000 | 10,425,000 | 9,469,000 | 9,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,358,000 | 46,574,000 | 45,678,000 | 44,953,000 |
| Interest-bearing deposits | 32,163,000 | 31,652,000 | 30,519,000 | 29,754,000 |
| Noninterest-bearing deposits | 15,195,000 | 14,922,000 | 15,159,000 | 15,199,000 |
| Equity capital | 6,180,000 | 6,292,000 | 6,412,000 | 6,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 418,000 | 840,000 | 1,261,000 | 1,686,000 |
| Interest expense | 47,000 | 90,000 | 128,000 | 164,000 |
| Net interest income | 371,000 | 750,000 | 1,133,000 | 1,522,000 |
| Noninterest income | 139,000 | 267,000 | 412,000 | 545,000 |
| Noninterest expense | 487,000 | 978,000 | 1,456,000 | 2,026,000 |
| Provision for loan losses | 6,000 | -1,000 | 11,000 | 25,000 |
| Pretax income | 17,000 | 40,000 | 78,000 | 16,000 |
| Income tax | 0 | 0 | 0 | -38,000 |
| Net income | 17,000 | 40,000 | 78,000 | 54,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,166,000 | 6,188,000 | 6,226,000 | 6,203,000 |
| Total capital | 6,437,000 | 6,462,000 | 6,497,000 | 6,477,000 |
| Risk-weighted assets | 21,578,000 | 21,814,000 | 21,566,000 | 21,775,000 |