Call reports 2015
FIRST NATIONAL BANK OF SPEARVILLE — 2015
What FIRST NATIONAL BANK OF SPEARVILLE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 32,111,000 | 30,008,000 | 30,779,000 | 33,859,000 |
| Total loans | 19,407,000 | 19,095,000 | 19,070,000 | 21,769,000 |
| Allowance for loan losses | 419,000 | 423,000 | 428,000 | 434,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,348,000 | 4,543,000 | 3,910,000 | 4,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,654,000 | 24,255,000 | 24,703,000 | 27,579,000 |
| Interest-bearing deposits | 21,603,000 | 21,100,000 | 20,959,000 | 22,092,000 |
| Noninterest-bearing deposits | 4,051,000 | 3,155,000 | 3,744,000 | 5,486,000 |
| Equity capital | 5,427,000 | 5,489,000 | 5,590,000 | 5,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 240,000 | 490,000 | 753,000 | 1,015,000 |
| Interest expense | 19,000 | 37,000 | 57,000 | 77,000 |
| Net interest income | 221,000 | 453,000 | 696,000 | 938,000 |
| Noninterest income | 43,000 | 67,000 | 151,000 | 221,000 |
| Noninterest expense | 161,000 | 317,000 | 490,000 | 709,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 103,000 | 203,000 | 357,000 | 450,000 |
| Income tax | 31,000 | 69,000 | 122,000 | 169,000 |
| Net income | 72,000 | 134,000 | 235,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,258,000 | 4,328,000 | 4,438,000 | 4,294,000 |
| Total capital | 4,512,000 | 4,579,000 | 4,693,000 | 4,589,000 |
| Risk-weighted assets | 20,181,000 | 19,931,000 | 20,209,000 | 23,465,000 |