Call reports 2013
FIRST NATIONAL BANK OF SPEARVILLE — 2013
What FIRST NATIONAL BANK OF SPEARVILLE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 32,535,000 | 29,570,000 | 28,906,000 | 30,061,000 |
| Total loans | 17,281,000 | 16,971,000 | 17,997,000 | 19,535,000 |
| Allowance for loan losses | 351,000 | 367,000 | 400,000 | 403,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,367,000 | 5,392,000 | 5,136,000 | 4,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,230,000 | 24,243,000 | 23,428,000 | 24,768,000 |
| Interest-bearing deposits | 21,990,000 | 20,387,000 | 19,903,000 | 20,540,000 |
| Noninterest-bearing deposits | 5,240,000 | 3,856,000 | 3,525,000 | 4,228,000 |
| Equity capital | 5,167,000 | 5,217,000 | 5,313,000 | 5,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 242,000 | 489,000 | 737,000 | 985,000 |
| Interest expense | 23,000 | 43,000 | 61,000 | 78,000 |
| Net interest income | 219,000 | 446,000 | 676,000 | 907,000 |
| Noninterest income | 18,000 | 39,000 | 138,000 | 230,000 |
| Noninterest expense | 170,000 | 322,000 | 497,000 | 679,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 67,000 | 148,000 | 302,000 | 441,000 |
| Income tax | 24,000 | 55,000 | 113,000 | 156,000 |
| Net income | 43,000 | 93,000 | 189,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,930,000 | 3,988,000 | 4,093,000 | 4,039,000 |
| Total capital | 4,155,000 | 4,202,000 | 4,329,000 | 4,282,000 |
| Risk-weighted assets | 17,899,000 | 16,969,000 | 18,685,000 | 19,330,000 |