Call reports 2011
SPIVEY STATE BANK — 2011
What SPIVEY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 94,623,000 | 92,352,000 | 92,808,000 | 92,108,000 |
| Total loans | 66,001,000 | 67,076,000 | 66,733,000 | 65,972,000 |
| Allowance for loan losses | 1,026,000 | 991,000 | 936,000 | 677,000 |
| Securities available for sale | 9,036,000 | 14,039,000 | 13,571,000 | 17,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,088,000 | 84,328,000 | 84,290,000 | 83,366,000 |
| Interest-bearing deposits | 71,154,000 | 67,462,000 | 67,472,000 | 65,607,000 |
| Noninterest-bearing deposits | 15,934,000 | 16,866,000 | 16,818,000 | 17,759,000 |
| Equity capital | 7,318,000 | 7,788,000 | 8,275,000 | 8,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,040,000 | 2,093,000 | 3,178,000 | 4,201,000 |
| Interest expense | 258,000 | 495,000 | 718,000 | 925,000 |
| Net interest income | 782,000 | 1,598,000 | 2,460,000 | 3,276,000 |
| Noninterest income | 213,000 | 445,000 | 664,000 | 905,000 |
| Noninterest expense | 733,000 | 1,489,000 | 2,250,000 | 2,920,000 |
| Provision for loan losses | 15,000 | 45,000 | 45,000 | 220,000 |
| Pretax income | 307,000 | 569,000 | 1,072,000 | 1,284,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 307,000 | 569,000 | 1,072,000 | 1,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,378,000 | 7,639,000 | 8,141,000 | 8,354,000 |
| Total capital | 8,131,000 | 8,396,000 | 8,898,000 | 9,031,000 |
| Risk-weighted assets | 59,961,000 | 60,296,000 | 60,404,000 | 61,595,000 |