Call reports 2019
FIRST NATIONAL BANK OF SPEARVILLE — 2019
What FIRST NATIONAL BANK OF SPEARVILLE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 37,786,000 | 37,634,000 | 37,775,000 | 41,186,000 |
| Total loans | 21,040,000 | 20,904,000 | 20,349,000 | 20,693,000 |
| Allowance for loan losses | 480,000 | 483,000 | 486,000 | 490,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,042,000 | 3,464,000 | 2,831,000 | 2,301,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,303,000 | 31,100,000 | 30,969,000 | 33,753,000 |
| Interest-bearing deposits | 24,796,000 | 24,449,000 | 23,496,000 | 23,985,000 |
| Noninterest-bearing deposits | 5,508,000 | 6,651,000 | 7,473,000 | 9,768,000 |
| Equity capital | 6,306,000 | 6,396,000 | 6,574,000 | 6,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 391,000 | 788,000 | 1,169,000 | 1,546,000 |
| Interest expense | 69,000 | 143,000 | 215,000 | 281,000 |
| Net interest income | 322,000 | 645,000 | 954,000 | 1,265,000 |
| Noninterest income | 49,000 | 63,000 | 155,000 | 222,000 |
| Noninterest expense | 173,000 | 344,000 | 510,000 | 755,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 198,000 | 364,000 | 599,000 | 732,000 |
| Income tax | 48,000 | 88,000 | 145,000 | 179,000 |
| Net income | 150,000 | 276,000 | 454,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,272,000 | 5,371,000 | 5,557,000 | 5,665,000 |
| Total capital | 5,560,000 | 5,662,000 | 5,841,000 | 5,964,000 |
| Risk-weighted assets | 22,879,000 | 23,068,000 | 22,557,000 | 23,748,000 |