Call reports 2011
FIRST NATIONAL BANK OF SPEARVILLE — 2011
What FIRST NATIONAL BANK OF SPEARVILLE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 31,347,000 | 30,134,000 | 29,261,000 | 29,982,000 |
| Total loans | 16,270,000 | 16,088,000 | 16,657,000 | 17,360,000 |
| Allowance for loan losses | 340,000 | 349,000 | 355,000 | 348,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,662,000 | 6,700,000 | 6,240,000 | 6,358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,901,000 | 24,865,000 | 23,654,000 | 24,702,000 |
| Interest-bearing deposits | 22,255,000 | 21,650,000 | 20,398,000 | 20,392,000 |
| Noninterest-bearing deposits | 3,646,000 | 3,215,000 | 3,256,000 | 4,310,000 |
| Equity capital | 4,997,000 | 5,053,000 | 5,142,000 | 5,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 271,000 | 545,000 | 845,000 | 1,155,000 |
| Interest expense | 66,000 | 121,000 | 166,000 | 205,000 |
| Net interest income | 205,000 | 424,000 | 679,000 | 950,000 |
| Noninterest income | 19,000 | 77,000 | 119,000 | 328,000 |
| Noninterest expense | 160,000 | 354,000 | 514,000 | 822,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 64,000 | 147,000 | 283,000 | 454,000 |
| Income tax | 18,000 | 44,000 | 91,000 | 161,000 |
| Net income | 46,000 | 103,000 | 192,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,692,000 | 3,757,000 | 3,853,000 | 3,806,000 |
| Total capital | 3,906,000 | 3,969,000 | 4,074,000 | 4,034,000 |
| Risk-weighted assets | 16,973,000 | 16,830,000 | 17,519,000 | 18,223,000 |