Call reports 2016
SPIRO STATE BANK — 2016
What SPIRO STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 54,104,000 | 52,272,000 | 50,303,000 | 49,701,000 |
| Total loans | 13,190,000 | 13,290,000 | 14,101,000 | 13,139,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 20,961,000 | 21,121,000 | 17,602,000 | 17,529,000 |
| Securities held to maturity | 6,799,000 | 7,320,000 | 7,161,000 | 7,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,422,000 | 45,462,000 | 43,509,000 | 43,265,000 |
| Interest-bearing deposits | 29,910,000 | 28,845,000 | 26,899,000 | 26,795,000 |
| Noninterest-bearing deposits | 17,512,000 | 16,617,000 | 16,610,000 | 16,470,000 |
| Equity capital | 6,588,000 | 6,705,000 | 6,691,000 | 6,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 377,000 | 760,000 | 1,152,000 | 1,518,000 |
| Interest expense | 24,000 | 48,000 | 72,000 | 95,000 |
| Net interest income | 353,000 | 712,000 | 1,080,000 | 1,423,000 |
| Noninterest income | 133,000 | 261,000 | 387,000 | 509,000 |
| Noninterest expense | 453,000 | 895,000 | 1,382,000 | 1,888,000 |
| Provision for loan losses | -2,000 | 3,000 | 10,000 | 22,000 |
| Pretax income | 35,000 | 75,000 | 75,000 | 22,000 |
| Income tax | 0 | 0 | 0 | -31,000 |
| Net income | 35,000 | 75,000 | 75,000 | 53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,367,000 | 6,407,000 | 6,406,000 | 6,360,000 |
| Total capital | 6,633,000 | 6,667,000 | 6,760,000 | 6,622,000 |
| Risk-weighted assets | 21,197,000 | 20,702,000 | 28,349,000 | 20,844,000 |