Call reports 2006
SPIVEY STATE BANK — 2006
What SPIVEY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 101,362,000 | 102,686,000 | 101,375,000 | 102,782,000 |
| Total loans | 75,822,000 | 78,162,000 | 78,770,000 | 79,904,000 |
| Allowance for loan losses | 1,100,000 | 1,063,000 | 1,139,000 | 1,225,000 |
| Securities available for sale | 15,009,000 | 14,689,000 | 13,330,000 | 12,973,000 |
| Securities held to maturity | 855,000 | 854,000 | 620,000 | 620,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,902,000 | 86,535,000 | 85,153,000 | 86,621,000 |
| Interest-bearing deposits | 68,269,000 | 70,346,000 | 70,594,000 | 70,720,000 |
| Noninterest-bearing deposits | 17,633,000 | 16,189,000 | 14,559,000 | 15,901,000 |
| Equity capital | 9,897,000 | 10,162,000 | 10,390,000 | 10,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,739,000 | 3,645,000 | 5,623,000 | 7,694,000 |
| Interest expense | 532,000 | 1,135,000 | 1,863,000 | 2,700,000 |
| Net interest income | 1,207,000 | 2,510,000 | 3,760,000 | 4,994,000 |
| Noninterest income | 210,000 | 441,000 | 656,000 | 869,000 |
| Noninterest expense | 801,000 | 1,534,000 | 2,333,000 | 3,207,000 |
| Provision for loan losses | 73,000 | 147,000 | 236,000 | 324,000 |
| Pretax income | 543,000 | 1,270,000 | 1,749,000 | 2,234,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 543,000 | 1,270,000 | 1,749,000 | 2,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,288,000 | 7,640,000 | 7,620,000 | 7,604,000 |
| Total capital | 8,293,000 | 8,657,000 | 8,633,000 | 8,638,000 |
| Risk-weighted assets | 80,339,000 | 81,341,000 | 80,926,000 | 82,550,000 |
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