Call reports 2025
SPIRO STATE BANK — 2025
What SPIRO STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 87,387,000 | 95,899,000 | 102,061,000 | 116,564,000 |
| Total loans | 38,291,000 | 47,942,000 | 57,467,000 | 71,848,000 |
| Allowance for loan losses | 437,000 | 468,000 | 536,000 | 615,000 |
| Securities available for sale | 26,215,000 | 23,503,000 | 21,650,000 | 21,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,026,000 | 81,469,000 | 87,422,000 | 101,853,000 |
| Interest-bearing deposits | 52,524,000 | 57,701,000 | 64,993,000 | 81,053,000 |
| Noninterest-bearing deposits | 20,502,000 | 23,768,000 | 22,429,000 | 20,800,000 |
| Equity capital | 14,212,000 | 14,290,000 | 14,398,000 | 14,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,151,000 | 2,396,000 | 3,765,000 | 5,303,000 |
| Interest expense | 245,000 | 517,000 | 941,000 | 1,491,000 |
| Net interest income | 906,000 | 1,879,000 | 2,824,000 | 3,812,000 |
| Noninterest income | 86,000 | 166,000 | 239,000 | 315,000 |
| Noninterest expense | 918,000 | 1,837,000 | 2,864,000 | 4,031,000 |
| Provision for loan losses | 15,000 | 45,000 | 120,000 | 200,000 |
| Pretax income | 59,000 | 125,000 | 41,000 | -142,000 |
| Income tax | 0 | 0 | 2,000 | -253,000 |
| Net income | 59,000 | 125,000 | 39,000 | 111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,413,000 | 10,502,000 | 10,428,000 | 10,347,000 |