Call reports 2010
STATE BANK OF SPEER — 2010
What STATE BANK OF SPEER 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 | 137,982,000 | 146,627,000 | 140,891,000 | 145,665,000 |
| Total loans | 69,991,000 | 72,243,000 | 73,054,000 | 77,065,000 |
| Allowance for loan losses | 766,000 | 820,000 | 884,000 | 954,000 |
| Securities available for sale | 59,007,000 | 58,507,000 | 59,326,000 | 57,263,000 |
| Securities held to maturity | 340,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,448,000 | 121,738,000 | 119,143,000 | 124,096,000 |
| Interest-bearing deposits | 100,101,000 | 108,184,000 | 107,193,000 | 108,526,000 |
| Noninterest-bearing deposits | 11,347,000 | 13,554,000 | 11,950,000 | 15,570,000 |
| Equity capital | 11,254,000 | 11,687,000 | 12,015,000 | 11,089,000 |
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 | 1,577,000 | 3,111,000 | 4,669,000 | 6,211,000 |
| Interest expense | 534,000 | 1,067,000 | 1,615,000 | 2,138,000 |
| Net interest income | 1,043,000 | 2,044,000 | 3,054,000 | 4,073,000 |
| Noninterest income | 103,000 | 216,000 | 377,000 | 552,000 |
| Noninterest expense | 696,000 | 1,387,000 | 2,049,000 | 3,045,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 364,000 | 709,000 | 1,128,000 | 1,236,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 364,000 | 709,000 | 1,128,000 | 1,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,010,000 | 10,160,000 | 10,352,000 | 10,266,000 |
| Total capital | 10,776,000 | 10,980,000 | 11,236,000 | 11,220,000 |
| Risk-weighted assets | 87,807,000 | 91,277,000 | 90,654,000 | 94,484,000 |
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