Call reports 2013
SPIRO STATE BANK — 2013
What SPIRO STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 53,867,000 | 53,288,000 | 51,153,000 | 50,109,000 |
| Total loans | 15,312,000 | 15,249,000 | 14,896,000 | 14,631,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 19,691,000 | 20,142,000 | 20,023,000 | 20,579,000 |
| Securities held to maturity | 6,958,000 | 6,016,000 | 5,835,000 | 5,766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,296,000 | 46,907,000 | 44,851,000 | 43,863,000 |
| Interest-bearing deposits | 30,538,000 | 30,897,000 | 29,342,000 | 28,311,000 |
| Noninterest-bearing deposits | 16,758,000 | 16,010,000 | 15,509,000 | 15,552,000 |
| Equity capital | 6,472,000 | 6,285,000 | 6,208,000 | 6,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 386,000 | 775,000 | 1,157,000 | 1,530,000 |
| Interest expense | 28,000 | 54,000 | 79,000 | 103,000 |
| Net interest income | 358,000 | 721,000 | 1,078,000 | 1,427,000 |
| Noninterest income | 133,000 | 270,000 | 403,000 | 537,000 |
| Noninterest expense | 446,000 | 908,000 | 1,378,000 | 1,899,000 |
| Provision for loan losses | 1,000 | 5,000 | 8,000 | 27,000 |
| Pretax income | 44,000 | 78,000 | 97,000 | 40,000 |
| Income tax | 0 | 0 | 0 | -36,000 |
| Net income | 44,000 | 78,000 | 97,000 | 76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,272,000 | 6,305,000 | 6,325,000 | 6,264,000 |
| Total capital | 6,560,000 | 6,598,000 | 6,610,000 | 6,553,000 |
| Risk-weighted assets | 22,907,000 | 23,300,000 | 22,667,000 | 23,025,000 |
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