Call reports 2008
FIRST NATIONAL BANK OF SPEARVILLE — 2008
What FIRST NATIONAL BANK OF SPEARVILLE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 24,008,000 | 23,751,000 | 23,466,000 | 24,736,000 |
| Total loans | 14,099,000 | 15,297,000 | 14,438,000 | 15,519,000 |
| Allowance for loan losses | 309,000 | 309,000 | 313,000 | 313,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,421,000 | 4,636,000 | 4,750,000 | 4,379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,130,000 | 18,856,000 | 18,512,000 | 19,883,000 |
| Interest-bearing deposits | 16,696,000 | 16,174,000 | 15,840,000 | 16,492,000 |
| Noninterest-bearing deposits | 2,434,000 | 2,682,000 | 2,672,000 | 3,391,000 |
| Equity capital | 4,628,000 | 4,625,000 | 4,647,000 | 4,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 373,000 | 743,000 | 1,065,000 | 1,383,000 |
| Interest expense | 155,000 | 288,000 | 397,000 | 495,000 |
| Net interest income | 218,000 | 455,000 | 668,000 | 888,000 |
| Noninterest income | 32,000 | 82,000 | 208,000 | 325,000 |
| Noninterest expense | 142,000 | 307,000 | 448,000 | 628,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 108,000 | 230,000 | 428,000 | 585,000 |
| Income tax | 35,000 | 75,000 | 143,000 | 198,000 |
| Net income | 73,000 | 155,000 | 285,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,222,000 | 3,227,000 | 3,258,000 | 3,293,000 |
| Total capital | 3,429,000 | 3,446,000 | 3,469,000 | 3,516,000 |
| Risk-weighted assets | 16,494,000 | 17,547,000 | 16,797,000 | 17,785,000 |
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