Call reports 2022
SPIRO STATE BANK — 2022
What SPIRO STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 64,174,000 | 65,782,000 | 64,043,000 | 63,197,000 |
| Total loans | 10,928,000 | 10,991,000 | 10,613,000 | 10,710,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 27,434,000 | 27,474,000 | 27,042,000 | 26,921,000 |
| Securities held to maturity | 7,453,000 | 7,171,000 | 7,659,000 | 7,652,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,240,000 | 60,768,000 | 59,657,000 | 58,785,000 |
| Interest-bearing deposits | 36,148,000 | 37,990,000 | 37,032,000 | 35,495,000 |
| Noninterest-bearing deposits | 22,092,000 | 22,778,000 | 22,625,000 | 23,290,000 |
| Equity capital | 5,884,000 | 4,969,000 | 4,344,000 | 4,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 371,000 | 769,000 | 1,218,000 | 1,724,000 |
| Interest expense | 12,000 | 25,000 | 44,000 | 76,000 |
| Net interest income | 359,000 | 744,000 | 1,174,000 | 1,648,000 |
| Noninterest income | 98,000 | 196,000 | 287,000 | 392,000 |
| Noninterest expense | 415,000 | 816,000 | 1,303,000 | 1,835,000 |
| Provision for loan losses | -4,000 | -4,000 | -4,000 | 1,000 |
| Pretax income | 46,000 | 128,000 | 162,000 | 204,000 |
| Income tax | 0 | 10,000 | 11,000 | 0 |
| Net income | 46,000 | 118,000 | 151,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,274,000 | 6,347,000 | 6,380,000 | 6,362,000 |