Call reports 2013
SPIVEY STATE BANK — 2013
What SPIVEY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 95,168,000 | 89,951,000 | 88,535,000 | 88,141,000 |
| Total loans | 61,832,000 | 60,032,000 | 63,089,000 | 64,149,000 |
| Allowance for loan losses | 672,000 | 633,000 | 655,000 | 542,000 |
| Securities available for sale | 19,853,000 | 19,762,000 | 17,771,000 | 17,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,297,000 | 80,242,000 | 78,866,000 | 78,955,000 |
| Interest-bearing deposits | 65,795,000 | 56,906,000 | 57,306,000 | 58,489,000 |
| Noninterest-bearing deposits | 19,502,000 | 23,336,000 | 21,560,000 | 20,466,000 |
| Equity capital | 9,714,000 | 9,508,000 | 9,466,000 | 9,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 948,000 | 1,893,000 | 2,859,000 | 3,837,000 |
| Interest expense | 120,000 | 211,000 | 293,000 | 369,000 |
| Net interest income | 828,000 | 1,682,000 | 2,566,000 | 3,468,000 |
| Noninterest income | 201,000 | 433,000 | 684,000 | 954,000 |
| Noninterest expense | 806,000 | 1,602,000 | 2,479,000 | 3,251,000 |
| Provision for loan losses | 80,000 | 160,000 | 205,000 | 205,000 |
| Pretax income | 121,000 | 331,000 | 542,000 | 942,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 121,000 | 331,000 | 542,000 | 942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,534,000 | 9,744,000 | 9,955,000 | 9,755,000 |
| Total capital | 10,206,000 | 10,377,000 | 10,610,000 | 10,297,000 |
| Risk-weighted assets | 58,014,000 | 56,896,000 | 59,392,000 | 60,729,000 |