Call reports 2004
FIRST NATIONAL BANK OF SPEARVILLE — 2004
What FIRST NATIONAL BANK OF SPEARVILLE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 16,953,000 | 17,088,000 | 16,473,000 | 16,614,000 |
| Total loans | 10,561,000 | 10,323,000 | 9,988,000 | 10,960,000 |
| Allowance for loan losses | 191,000 | 191,000 | 193,000 | 209,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,174,000 | 3,671,000 | 4,273,000 | 4,255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,059,000 | 14,131,000 | 13,456,000 | 13,655,000 |
| Interest-bearing deposits | 12,115,000 | 12,315,000 | 11,668,000 | 11,903,000 |
| Noninterest-bearing deposits | 1,944,000 | 1,816,000 | 1,788,000 | 1,752,000 |
| Equity capital | 2,813,000 | 2,857,000 | 2,888,000 | 2,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 207,000 | 415,000 | 602,000 | 807,000 |
| Interest expense | 48,000 | 95,000 | 143,000 | 191,000 |
| Net interest income | 159,000 | 320,000 | 459,000 | 616,000 |
| Noninterest income | 25,000 | 52,000 | 89,000 | 131,000 |
| Noninterest expense | 118,000 | 222,000 | 338,000 | 470,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 66,000 | 150,000 | 210,000 | 277,000 |
| Income tax | 14,000 | 36,000 | 65,000 | 84,000 |
| Net income | 52,000 | 114,000 | 145,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,813,000 | 2,857,000 | 2,888,000 | 2,904,000 |
| Total capital | 2,962,000 | 3,005,000 | 3,027,000 | 3,059,000 |
| Risk-weighted assets | 11,882,000 | 11,794,000 | 11,494,000 | 12,358,000 |
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