Call reports 2005
FIRST NATIONAL BANK OF SPEARVILLE — 2005
What FIRST NATIONAL BANK OF SPEARVILLE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 17,480,000 | 17,373,000 | 18,348,000 | 18,697,000 |
| Total loans | 10,981,000 | 12,072,000 | 11,890,000 | 11,601,000 |
| Allowance for loan losses | 238,000 | 239,000 | 241,000 | 262,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,252,000 | 3,798,000 | 3,501,000 | 3,699,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,438,000 | 14,294,000 | 15,219,000 | 15,621,000 |
| Interest-bearing deposits | 12,370,000 | 12,052,000 | 13,284,000 | 13,333,000 |
| Noninterest-bearing deposits | 2,068,000 | 2,242,000 | 1,935,000 | 2,288,000 |
| Equity capital | 2,965,000 | 2,964,000 | 2,965,000 | 2,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 223,000 | 461,000 | 707,000 | 980,000 |
| Interest expense | 49,000 | 104,000 | 172,000 | 260,000 |
| Net interest income | 174,000 | 357,000 | 535,000 | 720,000 |
| Noninterest income | 24,000 | 37,000 | 83,000 | 127,000 |
| Noninterest expense | 120,000 | 231,000 | 349,000 | 504,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 78,000 | 163,000 | 269,000 | 343,000 |
| Income tax | 17,000 | 53,000 | 88,000 | 116,000 |
| Net income | 61,000 | 110,000 | 181,000 | 227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,965,000 | 2,964,000 | 2,965,000 | 2,965,000 |
| Total capital | 3,110,000 | 3,131,000 | 3,133,000 | 3,131,000 |
| Risk-weighted assets | 12,347,000 | 13,335,000 | 13,401,000 | 13,150,000 |
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