Call reports 2014
SPIRO STATE BANK — 2014
What SPIRO STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 51,673,000 | 51,226,000 | 49,654,000 | 49,299,000 |
| Total loans | 14,483,000 | 14,775,000 | 14,664,000 | 13,809,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 21,726,000 | 23,412,000 | 22,855,000 | 22,050,000 |
| Securities held to maturity | 4,428,000 | 4,291,000 | 3,978,000 | 3,976,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,351,000 | 44,801,000 | 43,198,000 | 42,839,000 |
| Interest-bearing deposits | 29,232,000 | 27,732,000 | 26,457,000 | 26,271,000 |
| Noninterest-bearing deposits | 16,119,000 | 17,069,000 | 16,741,000 | 16,567,000 |
| Equity capital | 6,228,000 | 6,321,000 | 6,354,000 | 6,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 357,000 | 733,000 | 1,106,000 | 1,479,000 |
| Interest expense | 23,000 | 46,000 | 68,000 | 90,000 |
| Net interest income | 334,000 | 687,000 | 1,038,000 | 1,389,000 |
| Noninterest income | 135,000 | 273,000 | 407,000 | 534,000 |
| Noninterest expense | 466,000 | 920,000 | 1,382,000 | 1,897,000 |
| Provision for loan losses | -2,000 | -1,000 | 8,000 | 16,000 |
| Pretax income | 5,000 | 46,000 | 60,000 | 20,000 |
| Income tax | 0 | 0 | 0 | -27,000 |
| Net income | 5,000 | 46,000 | 60,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,269,000 | 6,310,000 | 6,324,000 | 6,296,000 |
| Total capital | 6,549,000 | 6,591,000 | 6,603,000 | 6,562,000 |
| Risk-weighted assets | 22,244,000 | 22,340,000 | 22,170,000 | 21,129,000 |
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