Call reports 2012
FIRST NATIONAL BANK OF SPEARVILLE — 2012
What FIRST NATIONAL BANK OF SPEARVILLE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 31,092,000 | 31,307,000 | 30,324,000 | 30,785,000 |
| Total loans | 14,594,000 | 16,940,000 | 17,360,000 | 19,429,000 |
| Allowance for loan losses | 349,000 | 363,000 | 365,000 | 350,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,967,000 | 7,011,000 | 6,658,000 | 5,928,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,851,000 | 25,804,000 | 24,686,000 | 24,986,000 |
| Interest-bearing deposits | 21,988,000 | 22,000,000 | 21,032,000 | 20,119,000 |
| Noninterest-bearing deposits | 3,863,000 | 3,804,000 | 3,654,000 | 4,867,000 |
| Equity capital | 5,139,000 | 5,265,000 | 5,363,000 | 5,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 247,000 | 562,000 | 833,000 | 1,084,000 |
| Interest expense | 36,000 | 68,000 | 96,000 | 121,000 |
| Net interest income | 211,000 | 494,000 | 737,000 | 963,000 |
| Noninterest income | 20,000 | 92,000 | 157,000 | 237,000 |
| Noninterest expense | 155,000 | 304,000 | 464,000 | 664,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 76,000 | 269,000 | 417,000 | 522,000 |
| Income tax | 22,000 | 90,000 | 139,000 | 189,000 |
| Net income | 54,000 | 179,000 | 278,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,868,000 | 4,003,000 | 4,109,000 | 3,879,000 |
| Total capital | 4,065,000 | 4,224,000 | 4,335,000 | 4,127,000 |
| Risk-weighted assets | 15,638,000 | 17,501,000 | 17,975,000 | 19,773,000 |