Call reports 2003
SPIVEY STATE BANK — 2003
What SPIVEY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 92,211,000 | 92,304,000 | 89,990,000 | 89,338,000 |
| Total loans | 62,141,000 | 65,780,000 | 62,529,000 | 62,180,000 |
| Allowance for loan losses | 993,000 | 1,059,000 | 994,000 | 967,000 |
| Securities available for sale | 18,389,000 | 17,891,000 | 16,985,000 | 17,758,000 |
| Securities held to maturity | 1,218,000 | 1,218,000 | 1,218,000 | 1,219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,663,000 | 81,058,000 | 79,391,000 | 78,604,000 |
| Interest-bearing deposits | 66,275,000 | 66,000,000 | 64,963,000 | 63,650,000 |
| Noninterest-bearing deposits | 15,388,000 | 15,058,000 | 14,428,000 | 14,954,000 |
| Equity capital | 10,073,000 | 9,942,000 | 10,060,000 | 10,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,333,000 | 2,667,000 | 3,923,000 | 5,147,000 |
| Interest expense | 389,000 | 752,000 | 1,096,000 | 1,404,000 |
| Net interest income | 944,000 | 1,915,000 | 2,827,000 | 3,743,000 |
| Noninterest income | 120,000 | 256,000 | 382,000 | 488,000 |
| Noninterest expense | 671,000 | 1,368,000 | 2,041,000 | 2,760,000 |
| Provision for loan losses | 130,000 | 190,000 | 220,000 | 250,000 |
| Pretax income | 335,000 | 685,000 | 1,020,000 | 1,296,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 335,000 | 685,000 | 1,020,000 | 1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,643,000 | 6,403,000 | 6,737,000 | 7,014,000 |
| Total capital | 7,443,000 | 7,232,000 | 7,549,000 | 7,836,000 |
| Risk-weighted assets | 63,822,000 | 66,068,000 | 64,740,000 | 65,621,000 |
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