Call reports 2007
SPIVEY STATE BANK — 2007
What SPIVEY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 101,244,000 | 99,696,000 | 101,706,000 | 102,485,000 |
| Total loans | 76,530,000 | 80,600,000 | 79,674,000 | 83,131,000 |
| Allowance for loan losses | 1,240,000 | 1,285,000 | 1,259,000 | 1,213,000 |
| Securities available for sale | 12,625,000 | 12,322,000 | 12,224,000 | 12,144,000 |
| Securities held to maturity | 310,000 | 310,000 | 310,000 | 310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,627,000 | 88,718,000 | 90,099,000 | 89,079,000 |
| Interest-bearing deposits | 72,847,000 | 72,074,000 | 75,447,000 | 75,896,000 |
| Noninterest-bearing deposits | 16,781,000 | 16,644,000 | 14,652,000 | 13,183,000 |
| Equity capital | 10,895,000 | 9,853,000 | 10,554,000 | 11,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,994,000 | 3,991,000 | 6,067,000 | 8,127,000 |
| Interest expense | 802,000 | 1,562,000 | 2,393,000 | 3,239,000 |
| Net interest income | 1,192,000 | 2,429,000 | 3,674,000 | 4,888,000 |
| Noninterest income | 229,000 | 464,000 | 693,000 | 939,000 |
| Noninterest expense | 918,000 | 1,732,000 | 2,598,000 | 3,478,000 |
| Provision for loan losses | 53,000 | 107,000 | 120,000 | 120,000 |
| Pretax income | 456,000 | 1,060,000 | 1,608,000 | 2,188,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 456,000 | 1,060,000 | 1,608,000 | 2,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,060,000 | 7,164,000 | 7,712,000 | 8,292,000 |
| Total capital | 9,079,000 | 8,261,000 | 8,762,000 | 9,383,000 |
| Risk-weighted assets | 81,303,000 | 87,560,000 | 83,801,000 | 87,140,000 |
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