Call reports 2008
SPIVEY STATE BANK — 2008
What SPIVEY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 104,854,000 | 104,861,000 | 99,906,000 | 98,816,000 |
| Total loans | 84,510,000 | 80,805,000 | 81,590,000 | 78,165,000 |
| Allowance for loan losses | 1,203,000 | 1,107,000 | 1,056,000 | 796,000 |
| Securities available for sale | 12,005,000 | 11,312,000 | 11,154,000 | 11,098,000 |
| Securities held to maturity | 310,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,983,000 | 93,255,000 | 88,309,000 | 87,481,000 |
| Interest-bearing deposits | 78,300,000 | 77,020,000 | 72,329,000 | 72,156,000 |
| Noninterest-bearing deposits | 14,683,000 | 16,235,000 | 15,980,000 | 15,325,000 |
| Equity capital | 11,030,000 | 10,713,000 | 10,053,000 | 10,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,897,000 | 3,581,000 | 5,190,000 | 6,651,000 |
| Interest expense | 811,000 | 1,543,000 | 2,158,000 | 2,689,000 |
| Net interest income | 1,086,000 | 2,038,000 | 3,032,000 | 3,962,000 |
| Noninterest income | 243,000 | 505,000 | 777,000 | 1,052,000 |
| Noninterest expense | 850,000 | 1,659,000 | 2,494,000 | 3,263,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 607,000 | 1,033,000 | 1,464,000 | 1,899,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 607,000 | 1,033,000 | 1,464,000 | 1,899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,099,000 | 8,066,000 | 7,347,000 | 7,782,000 |
| Total capital | 9,192,000 | 9,105,000 | 8,370,000 | 8,578,000 |
| Risk-weighted assets | 87,344,000 | 83,032,000 | 81,819,000 | 78,431,000 |
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