Call reports 2015
SPIRO STATE BANK — 2015
What SPIRO STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 52,906,000 | 55,094,000 | 53,615,000 | 52,775,000 |
| Total loans | 13,386,000 | 13,235,000 | 13,424,000 | 12,964,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 22,288,000 | 21,796,000 | 20,340,000 | 20,372,000 |
| Securities held to maturity | 3,975,000 | 5,313,000 | 6,107,000 | 6,360,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,313,000 | 48,570,000 | 47,033,000 | 46,271,000 |
| Interest-bearing deposits | 29,152,000 | 31,124,000 | 29,313,000 | 28,530,000 |
| Noninterest-bearing deposits | 17,161,000 | 17,446,000 | 17,720,000 | 17,741,000 |
| Equity capital | 6,491,000 | 6,427,000 | 6,489,000 | 6,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 356,000 | 720,000 | 1,083,000 | 1,450,000 |
| Interest expense | 22,000 | 44,000 | 68,000 | 91,000 |
| Net interest income | 334,000 | 676,000 | 1,015,000 | 1,359,000 |
| Noninterest income | 121,000 | 248,000 | 373,000 | 511,000 |
| Noninterest expense | 446,000 | 881,000 | 1,362,000 | 1,864,000 |
| Provision for loan losses | -4,000 | -6,000 | -2,000 | -18,000 |
| Pretax income | 13,000 | 49,000 | 28,000 | 24,000 |
| Income tax | 0 | 0 | 0 | -27,000 |
| Net income | 13,000 | 49,000 | 28,000 | 51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,309,000 | 6,345,000 | 6,324,000 | 6,332,000 |
| Total capital | 6,590,000 | 6,617,000 | 6,589,000 | 6,595,000 |
| Risk-weighted assets | 22,351,000 | 21,596,000 | 21,037,000 | 20,925,000 |