Call reports 2004
SPIVEY STATE BANK — 2004
What SPIVEY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 91,107,000 | 94,465,000 | 91,962,000 | 92,858,000 |
| Total loans | 59,569,000 | 64,508,000 | 67,087,000 | 68,861,000 |
| Allowance for loan losses | 963,000 | 1,012,000 | 1,021,000 | 1,041,000 |
| Securities available for sale | 22,970,000 | 21,545,000 | 17,204,000 | 16,657,000 |
| Securities held to maturity | 1,219,000 | 1,219,000 | 1,050,000 | 1,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,845,000 | 79,112,000 | 76,622,000 | 75,292,000 |
| Interest-bearing deposits | 64,305,000 | 62,689,000 | 61,329,000 | 59,884,000 |
| Noninterest-bearing deposits | 15,540,000 | 16,423,000 | 15,293,000 | 15,408,000 |
| Equity capital | 10,851,000 | 9,884,000 | 9,705,000 | 10,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,237,000 | 2,531,000 | 3,856,000 | 5,245,000 |
| Interest expense | 286,000 | 560,000 | 840,000 | 1,126,000 |
| Net interest income | 951,000 | 1,971,000 | 3,016,000 | 4,119,000 |
| Noninterest income | 130,000 | 270,000 | 428,000 | 628,000 |
| Noninterest expense | 674,000 | 1,396,000 | 2,083,000 | 2,923,000 |
| Provision for loan losses | 30,000 | 60,000 | 73,000 | 110,000 |
| Pretax income | 378,000 | 786,000 | 1,291,000 | 1,717,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 378,000 | 786,000 | 1,291,000 | 1,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,392,000 | 7,050,000 | 6,565,000 | 6,991,000 |
| Total capital | 8,193,000 | 7,914,000 | 7,439,000 | 7,891,000 |
| Risk-weighted assets | 63,939,000 | 68,997,000 | 69,771,000 | 71,832,000 |
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