Call reports 2010
FIRST NATIONAL BANK OF SPEARVILLE — 2010
What FIRST NATIONAL BANK OF SPEARVILLE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 29,813,000 | 30,291,000 | 29,901,000 | 31,108,000 |
| Total loans | 19,462,000 | 20,325,000 | 17,940,000 | 18,659,000 |
| Allowance for loan losses | 334,000 | 356,000 | 345,000 | 409,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,156,000 | 4,687,000 | 5,130,000 | 5,415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,610,000 | 24,608,000 | 24,770,000 | 25,807,000 |
| Interest-bearing deposits | 22,290,000 | 22,296,000 | 22,042,000 | 21,961,000 |
| Noninterest-bearing deposits | 2,320,000 | 2,312,000 | 2,728,000 | 3,846,000 |
| Equity capital | 4,897,000 | 4,924,000 | 4,954,000 | 4,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 335,000 | 674,000 | 968,000 | 1,290,000 |
| Interest expense | 94,000 | 184,000 | 271,000 | 347,000 |
| Net interest income | 241,000 | 490,000 | 697,000 | 943,000 |
| Noninterest income | 25,000 | 70,000 | 156,000 | 258,000 |
| Noninterest expense | 173,000 | 339,000 | 500,000 | 688,000 |
| Provision for loan losses | 0 | 100,000 | 195,000 | 195,000 |
| Pretax income | 86,000 | 114,000 | 151,000 | 311,000 |
| Income tax | 26,000 | 27,000 | 35,000 | 119,000 |
| Net income | 60,000 | 87,000 | 116,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,558,000 | 3,594,000 | 3,632,000 | 3,637,000 |
| Total capital | 3,821,000 | 3,880,000 | 3,868,000 | 3,878,000 |
| Risk-weighted assets | 21,832,000 | 22,794,000 | 18,839,000 | 19,308,000 |
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