Call reports 2012
STATE BANK OF SPEER — 2012
What STATE BANK OF SPEER 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 | 169,810,000 | 175,219,000 | 180,230,000 | 194,698,000 |
| Total loans | 73,513,000 | 76,122,000 | 77,155,000 | 82,028,000 |
| Allowance for loan losses | 999,000 | 1,135,000 | 1,273,000 | 1,362,000 |
| Securities available for sale | 64,712,000 | 61,063,000 | 65,128,000 | 69,135,000 |
| Securities held to maturity | 10,000 | 248,000 | 250,000 | 251,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,168,000 | 152,962,000 | 143,587,000 | 144,969,000 |
| Interest-bearing deposits | 130,628,000 | 136,503,000 | 116,989,000 | 125,446,000 |
| Noninterest-bearing deposits | 16,540,000 | 16,459,000 | 26,598,000 | 19,523,000 |
| Equity capital | 13,419,000 | 13,699,000 | 14,224,000 | 13,443,000 |
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 | 1,422,000 | 2,819,000 | 4,223,000 | 5,600,000 |
| Interest expense | 339,000 | 656,000 | 932,000 | 1,202,000 |
| Net interest income | 1,083,000 | 2,163,000 | 3,291,000 | 4,398,000 |
| Noninterest income | 165,000 | 308,000 | 482,000 | 698,000 |
| Noninterest expense | 763,000 | 1,569,000 | 2,334,000 | 3,652,000 |
| Provision for loan losses | 90,000 | 225,000 | 360,000 | 450,000 |
| Pretax income | 395,000 | 677,000 | 1,102,000 | 1,020,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 395,000 | 677,000 | 1,102,000 | 1,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,332,000 | 11,519,000 | 11,805,000 | 11,580,000 |
| Total capital | 12,331,000 | 12,654,000 | 12,959,000 | 12,801,000 |
| Risk-weighted assets | 92,534,000 | 100,826,000 | 97,584,000 | 103,014,000 |