Call reports 2009
FIRST NATIONAL BANK OF SPEARVILLE — 2009
What FIRST NATIONAL BANK OF SPEARVILLE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 26,236,000 | 28,884,000 | 28,822,000 | 30,110,000 |
| Total loans | 17,242,000 | 18,685,000 | 19,378,000 | 20,217,000 |
| Allowance for loan losses | 313,000 | 312,000 | 313,000 | 334,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,634,000 | 5,128,000 | 4,900,000 | 4,594,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,321,000 | 23,886,000 | 23,672,000 | 25,084,000 |
| Interest-bearing deposits | 18,369,000 | 21,059,000 | 21,428,000 | 21,801,000 |
| Noninterest-bearing deposits | 2,952,000 | 2,827,000 | 2,243,000 | 3,283,000 |
| Equity capital | 4,723,000 | 4,739,000 | 4,854,000 | 4,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 304,000 | 635,000 | 978,000 | 1,321,000 |
| Interest expense | 94,000 | 194,000 | 293,000 | 391,000 |
| Net interest income | 210,000 | 441,000 | 685,000 | 930,000 |
| Noninterest income | 30,000 | 108,000 | 196,000 | 293,000 |
| Noninterest expense | 145,000 | 317,000 | 474,000 | 666,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 95,000 | 232,000 | 407,000 | 532,000 |
| Income tax | 31,000 | 77,000 | 137,000 | 200,000 |
| Net income | 64,000 | 155,000 | 270,000 | 332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,350,000 | 3,375,000 | 3,498,000 | 3,490,000 |
| Total capital | 3,592,000 | 3,636,000 | 3,770,000 | 3,774,000 |
| Risk-weighted assets | 19,366,000 | 21,237,000 | 21,779,000 | 22,673,000 |
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