Call reports 2016
FIRST NATIONAL BANK OF SPEARVILLE — 2016
What FIRST NATIONAL BANK OF SPEARVILLE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 33,969,000 | 32,592,000 | 31,865,000 | 34,888,000 |
| Total loans | 19,601,000 | 20,283,000 | 20,364,000 | 20,524,000 |
| Allowance for loan losses | 436,000 | 440,000 | 448,000 | 508,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,580,000 | 4,662,000 | 3,951,000 | 4,259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,615,000 | 26,639,000 | 25,676,000 | 29,164,000 |
| Interest-bearing deposits | 23,333,000 | 22,831,000 | 21,952,000 | 22,232,000 |
| Noninterest-bearing deposits | 4,281,000 | 3,808,000 | 3,723,000 | 6,932,000 |
| Equity capital | 5,508,000 | 5,583,000 | 5,696,000 | 5,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 266,000 | 542,000 | 829,000 | 1,117,000 |
| Interest expense | 24,000 | 48,000 | 73,000 | 99,000 |
| Net interest income | 242,000 | 494,000 | 756,000 | 1,018,000 |
| Noninterest income | 21,000 | 36,000 | 109,000 | 193,000 |
| Noninterest expense | 151,000 | 298,000 | 454,000 | 650,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 112,000 | 232,000 | 411,000 | 561,000 |
| Income tax | 42,000 | 87,000 | 153,000 | 207,000 |
| Net income | 70,000 | 145,000 | 258,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,373,000 | 4,456,000 | 4,578,000 | 4,382,000 |
| Total capital | 4,653,000 | 4,732,000 | 4,862,000 | 4,676,000 |
| Risk-weighted assets | 22,233,000 | 21,919,000 | 22,587,000 | 23,283,000 |