Call reports 2014
FIRST NATIONAL BANK OF SPEARVILLE — 2014
What FIRST NATIONAL BANK OF SPEARVILLE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 32,021,000 | 29,630,000 | 30,398,000 | 32,279,000 |
| Total loans | 18,517,000 | 18,457,000 | 19,882,000 | 21,730,000 |
| Allowance for loan losses | 405,000 | 408,000 | 412,000 | 417,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,037,000 | 4,773,000 | 4,229,000 | 4,092,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,719,000 | 23,956,000 | 23,916,000 | 25,445,000 |
| Interest-bearing deposits | 21,900,000 | 20,632,000 | 20,940,000 | 20,240,000 |
| Noninterest-bearing deposits | 3,819,000 | 3,324,000 | 2,976,000 | 5,205,000 |
| Equity capital | 5,316,000 | 5,383,000 | 5,487,000 | 5,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 240,000 | 492,000 | 749,000 | 1,006,000 |
| Interest expense | 18,000 | 35,000 | 53,000 | 72,000 |
| Net interest income | 222,000 | 457,000 | 696,000 | 934,000 |
| Noninterest income | 23,000 | 47,000 | 124,000 | 175,000 |
| Noninterest expense | 140,000 | 280,000 | 429,000 | 611,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 105,000 | 212,000 | 379,000 | 486,000 |
| Income tax | 40,000 | 80,000 | 143,000 | 185,000 |
| Net income | 65,000 | 132,000 | 236,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,113,000 | 4,188,000 | 4,301,000 | 4,177,000 |
| Total capital | 4,355,000 | 4,427,000 | 4,547,000 | 4,445,000 |
| Risk-weighted assets | 19,208,000 | 18,918,000 | 19,538,000 | 21,304,000 |
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