Call reports 2005
SPIVEY STATE BANK — 2005
What SPIVEY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 96,879,000 | 99,400,000 | 97,905,000 | 99,599,000 |
| Total loans | 72,511,000 | 74,341,000 | 75,341,000 | 75,259,000 |
| Allowance for loan losses | 1,049,000 | 1,046,000 | 1,017,000 | 1,085,000 |
| Securities available for sale | 15,999,000 | 15,615,000 | 13,735,000 | 14,473,000 |
| Securities held to maturity | 1,050,000 | 1,050,000 | 951,000 | 855,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,254,000 | 82,523,000 | 81,394,000 | 83,977,000 |
| Interest-bearing deposits | 64,639,000 | 67,236,000 | 66,750,000 | 68,081,000 |
| Noninterest-bearing deposits | 16,615,000 | 15,287,000 | 14,644,000 | 15,896,000 |
| Equity capital | 9,739,000 | 10,130,000 | 10,656,000 | 10,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,415,000 | 2,968,000 | 4,608,000 | 6,279,000 |
| Interest expense | 314,000 | 698,000 | 1,140,000 | 1,661,000 |
| Net interest income | 1,101,000 | 2,270,000 | 3,468,000 | 4,618,000 |
| Noninterest income | 194,000 | 398,000 | 596,000 | 814,000 |
| Noninterest expense | 723,000 | 1,487,000 | 2,263,000 | 3,069,000 |
| Provision for loan losses | 37,000 | 77,000 | 120,000 | 209,000 |
| Pretax income | 536,000 | 1,105,000 | 1,678,000 | 2,155,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 536,000 | 1,105,000 | 1,678,000 | 2,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,927,000 | 7,245,000 | 7,819,000 | 7,296,000 |
| Total capital | 7,873,000 | 8,208,000 | 8,790,000 | 8,272,000 |
| Risk-weighted assets | 75,554,000 | 76,970,000 | 77,624,000 | 77,936,000 |
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