Call reports 2017
SPIRO STATE BANK — 2017
What SPIRO STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 52,100,000 | 51,440,000 | 51,404,000 | 50,610,000 |
| Total loans | 13,263,000 | 13,461,000 | 13,551,000 | 14,405,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 18,538,000 | 19,821,000 | 19,279,000 | 19,065,000 |
| Securities held to maturity | 7,653,000 | 7,509,000 | 7,116,000 | 7,113,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,605,000 | 44,832,000 | 44,783,000 | 44,176,000 |
| Interest-bearing deposits | 28,694,000 | 28,017,000 | 27,728,000 | 27,468,000 |
| Noninterest-bearing deposits | 16,911,000 | 16,815,000 | 17,055,000 | 16,708,000 |
| Equity capital | 6,405,000 | 6,517,000 | 6,527,000 | 6,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 373,000 | 769,000 | 1,168,000 | 1,573,000 |
| Interest expense | 23,000 | 48,000 | 72,000 | 97,000 |
| Net interest income | 350,000 | 721,000 | 1,096,000 | 1,476,000 |
| Noninterest income | 132,000 | 259,000 | 386,000 | 516,000 |
| Noninterest expense | 460,000 | 892,000 | 1,352,000 | 1,876,000 |
| Provision for loan losses | -4,000 | 4,000 | 4,000 | 6,000 |
| Pretax income | 26,000 | 88,000 | 130,000 | 114,000 |
| Income tax | 0 | 0 | 4,000 | -71,000 |
| Net income | 26,000 | 88,000 | 126,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,386,000 | 6,448,000 | 6,486,000 | 6,435,000 |
| Total capital | 6,670,000 | 6,745,000 | 6,793,000 | 6,743,000 |
| Risk-weighted assets | 22,648,000 | 23,725,000 | 24,547,000 | 24,576,000 |