Call reports 2012
SPIVEY STATE BANK — 2012
What SPIVEY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 95,375,000 | 95,764,000 | 93,371,000 | 92,267,000 |
| Total loans | 64,863,000 | 64,527,000 | 65,435,000 | 64,148,000 |
| Allowance for loan losses | 690,000 | 677,000 | 639,000 | 659,000 |
| Securities available for sale | 17,761,000 | 17,679,000 | 16,762,000 | 16,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,421,000 | 86,315,000 | 83,562,000 | 82,437,000 |
| Interest-bearing deposits | 66,179,000 | 66,126,000 | 65,202,000 | 64,500,000 |
| Noninterest-bearing deposits | 20,242,000 | 20,189,000 | 18,360,000 | 17,937,000 |
| Equity capital | 8,748,000 | 9,214,000 | 9,574,000 | 9,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,007,000 | 2,065,000 | 3,091,000 | 4,073,000 |
| Interest expense | 188,000 | 365,000 | 534,000 | 682,000 |
| Net interest income | 819,000 | 1,700,000 | 2,557,000 | 3,391,000 |
| Noninterest income | 222,000 | 422,000 | 650,000 | 886,000 |
| Noninterest expense | 723,000 | 1,437,000 | 2,171,000 | 2,942,000 |
| Provision for loan losses | 100,000 | 110,000 | 125,000 | 180,000 |
| Pretax income | 218,000 | 597,000 | 933,000 | 1,215,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 218,000 | 597,000 | 933,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,572,000 | 8,950,000 | 9,286,000 | 9,413,000 |
| Total capital | 9,262,000 | 9,627,000 | 9,925,000 | 10,072,000 |
| Risk-weighted assets | 60,817,000 | 59,905,000 | 60,177,000 | 59,961,000 |