Call reports 2012
SPIRO STATE BANK — 2012
What SPIRO STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 53,897,000 | 53,839,000 | 51,218,000 | 53,528,000 |
| Total loans | 15,768,000 | 15,642,000 | 15,616,000 | 15,563,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 14,301,000 | 15,436,000 | 18,715,000 | 19,696,000 |
| Securities held to maturity | 9,131,000 | 8,826,000 | 7,447,000 | 7,442,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,392,000 | 47,177,000 | 44,506,000 | 47,001,000 |
| Interest-bearing deposits | 31,223,000 | 30,711,000 | 28,567,000 | 29,817,000 |
| Noninterest-bearing deposits | 16,169,000 | 16,466,000 | 15,939,000 | 17,184,000 |
| Equity capital | 6,406,000 | 6,504,000 | 6,546,000 | 6,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 410,000 | 811,000 | 1,216,000 | 1,619,000 |
| Interest expense | 32,000 | 62,000 | 91,000 | 120,000 |
| Net interest income | 378,000 | 749,000 | 1,125,000 | 1,499,000 |
| Noninterest income | 136,000 | 261,000 | 386,000 | 514,000 |
| Noninterest expense | 482,000 | 960,000 | 1,430,000 | 1,960,000 |
| Provision for loan losses | -3,000 | -2,000 | 1,000 | 21,000 |
| Pretax income | 35,000 | 52,000 | 80,000 | 32,000 |
| Income tax | 0 | 0 | 0 | -43,000 |
| Net income | 35,000 | 52,000 | 80,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,238,000 | 6,254,000 | 6,282,000 | 6,228,000 |
| Total capital | 6,520,000 | 6,539,000 | 6,564,000 | 6,525,000 |
| Risk-weighted assets | 22,427,000 | 22,707,000 | 22,425,000 | 23,618,000 |