Call reports 2014
STATE BANK OF SPEER — 2014
What STATE BANK OF SPEER 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 | 172,299,000 | 184,875,000 | 180,436,000 | 187,244,000 |
| Total loans | 82,017,000 | 83,368,000 | 84,524,000 | 91,737,000 |
| Allowance for loan losses | 1,392,000 | 1,331,000 | 1,414,000 | 1,416,000 |
| Securities available for sale | 78,633,000 | 85,368,000 | 86,867,000 | 85,606,000 |
| Securities held to maturity | 249,000 | 251,000 | 253,000 | 254,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,863,000 | 149,823,000 | 141,955,000 | 137,444,000 |
| Interest-bearing deposits | 130,336,000 | 131,903,000 | 124,597,000 | 117,758,000 |
| Noninterest-bearing deposits | 17,527,000 | 17,920,000 | 17,358,000 | 19,686,000 |
| Equity capital | 15,702,000 | 16,584,000 | 16,891,000 | 17,354,000 |
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 | 1,414,000 | 2,868,000 | 4,321,000 | 5,822,000 |
| Interest expense | 211,000 | 422,000 | 629,000 | 826,000 |
| Net interest income | 1,203,000 | 2,446,000 | 3,692,000 | 4,996,000 |
| Noninterest income | 122,000 | 280,000 | 439,000 | 595,000 |
| Noninterest expense | 839,000 | 1,770,000 | 2,614,000 | 3,773,000 |
| Provision for loan losses | 20,000 | 70,000 | 170,000 | 195,000 |
| Pretax income | 490,000 | 934,000 | 1,395,000 | 1,648,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 490,000 | 934,000 | 1,395,000 | 1,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,462,000 | 15,585,000 | 15,926,000 | 16,016,000 |
| Total capital | 16,710,000 | 16,855,000 | 17,285,000 | 17,432,000 |
| Risk-weighted assets | 105,299,000 | 107,187,000 | 108,636,000 | 114,324,000 |
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