Call reports 2009
SPIVEY STATE BANK — 2009
What SPIVEY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 99,360,000 | 96,745,000 | 94,454,000 | 89,695,000 |
| Total loans | 75,454,000 | 73,907,000 | 71,110,000 | 69,210,000 |
| Allowance for loan losses | 821,000 | 551,000 | 788,000 | 1,199,000 |
| Securities available for sale | 13,159,000 | 12,583,000 | 7,683,000 | 10,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,748,000 | 85,805,000 | 84,231,000 | 83,018,000 |
| Interest-bearing deposits | 72,550,000 | 71,497,000 | 70,363,000 | 70,525,000 |
| Noninterest-bearing deposits | 15,198,000 | 14,308,000 | 13,868,000 | 12,493,000 |
| Equity capital | 11,008,000 | 10,240,000 | 9,695,000 | 6,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,276,000 | 2,445,000 | 3,624,000 | 4,757,000 |
| Interest expense | 434,000 | 850,000 | 1,245,000 | 1,591,000 |
| Net interest income | 842,000 | 1,595,000 | 2,379,000 | 3,166,000 |
| Noninterest income | 260,000 | 430,000 | 686,000 | 894,000 |
| Noninterest expense | 802,000 | 1,592,000 | 2,270,000 | 5,777,000 |
| Provision for loan losses | 60,000 | 140,000 | 960,000 | 1,670,000 |
| Pretax income | 238,000 | 291,000 | -50,000 | -3,272,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 238,000 | 291,000 | -50,000 | -3,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,020,000 | 7,173,000 | 6,832,000 | 6,473,000 |
| Total capital | 8,841,000 | 7,724,000 | 7,620,000 | 7,307,000 |
| Risk-weighted assets | 74,452,000 | 70,969,000 | 68,716,000 | 66,325,000 |