Call reports 2010
SPIVEY STATE BANK — 2010
What SPIVEY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 91,484,000 | 89,941,000 | 89,457,000 | 88,894,000 |
| Total loans | 66,849,000 | 65,854,000 | 66,346,000 | 66,786,000 |
| Allowance for loan losses | 1,303,000 | 1,164,000 | 1,079,000 | 1,021,000 |
| Securities available for sale | 10,325,000 | 9,680,000 | 8,984,000 | 8,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,742,000 | 82,915,000 | 82,184,000 | 81,444,000 |
| Interest-bearing deposits | 71,093,000 | 68,573,000 | 67,981,000 | 67,712,000 |
| Noninterest-bearing deposits | 13,649,000 | 14,342,000 | 14,203,000 | 13,732,000 |
| Equity capital | 6,509,000 | 6,737,000 | 6,963,000 | 7,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,086,000 | 2,171,000 | 3,199,000 | 4,259,000 |
| Interest expense | 330,000 | 645,000 | 935,000 | 1,216,000 |
| Net interest income | 756,000 | 1,526,000 | 2,264,000 | 3,043,000 |
| Noninterest income | 206,000 | 446,000 | 676,000 | 904,000 |
| Noninterest expense | 801,000 | 1,620,000 | 2,432,000 | 3,110,000 |
| Provision for loan losses | 210,000 | 240,000 | 240,000 | 240,000 |
| Pretax income | -49,000 | 112,000 | 268,000 | 597,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -49,000 | 112,000 | 268,000 | 597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,424,000 | 6,585,000 | 6,742,000 | 7,070,000 |
| Total capital | 7,225,000 | 7,375,000 | 7,528,000 | 7,859,000 |
| Risk-weighted assets | 63,610,000 | 62,847,000 | 62,566,000 | 62,892,000 |