Call reports 2014
SPIVEY STATE BANK — 2014
What SPIVEY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 93,530,000 | 91,622,000 | 90,875,000 | 88,281,000 |
| Total loans | 62,759,000 | 63,400,000 | 68,617,000 | 66,656,000 |
| Allowance for loan losses | 520,000 | 521,000 | 531,000 | 499,000 |
| Securities available for sale | 15,800,000 | 15,555,000 | 14,993,000 | 14,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,828,000 | 81,491,000 | 80,971,000 | 77,840,000 |
| Interest-bearing deposits | 61,854,000 | 61,284,000 | 61,019,000 | 60,737,000 |
| Noninterest-bearing deposits | 21,974,000 | 20,207,000 | 19,952,000 | 17,103,000 |
| Equity capital | 9,557,000 | 9,977,000 | 9,714,000 | 10,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 941,000 | 1,897,000 | 2,915,000 | 3,920,000 |
| Interest expense | 70,000 | 139,000 | 208,000 | 276,000 |
| Net interest income | 871,000 | 1,758,000 | 2,707,000 | 3,644,000 |
| Noninterest income | 227,000 | 506,000 | 676,000 | 1,083,000 |
| Noninterest expense | 798,000 | 1,649,000 | 2,492,000 | 3,360,000 |
| Provision for loan losses | 40,000 | 55,000 | 145,000 | 175,000 |
| Pretax income | 277,000 | 577,000 | 763,000 | 1,209,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 277,000 | 577,000 | 763,000 | 1,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,033,000 | 10,333,000 | 10,068,000 | 10,514,000 |
| Total capital | 10,553,000 | 10,854,000 | 10,599,000 | 11,013,000 |
| Risk-weighted assets | 58,725,000 | 59,865,000 | 65,317,000 | 64,797,000 |