Call reports 2015
STATE BANK OF SPEER — 2015
What STATE BANK OF SPEER reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 180,166,000 | 181,432,000 | 177,647,000 | 182,033,000 |
| Total loans | 87,094,000 | 85,883,000 | 83,205,000 | 84,990,000 |
| Allowance for loan losses | 1,388,000 | 1,367,000 | 1,373,000 | 1,039,000 |
| Securities available for sale | 83,910,000 | 84,345,000 | 84,697,000 | 85,456,000 |
| Securities held to maturity | 256,000 | 257,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,214,000 | 138,456,000 | 136,221,000 | 137,649,000 |
| Interest-bearing deposits | 121,006,000 | 119,823,000 | 117,297,000 | 116,261,000 |
| Noninterest-bearing deposits | 18,208,000 | 18,633,000 | 18,924,000 | 21,388,000 |
| Equity capital | 18,140,000 | 17,698,000 | 18,180,000 | 17,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,411,000 | 2,813,000 | 4,195,000 | 5,577,000 |
| Interest expense | 195,000 | 392,000 | 592,000 | 802,000 |
| Net interest income | 1,216,000 | 2,421,000 | 3,603,000 | 4,775,000 |
| Noninterest income | 143,000 | 329,000 | 499,000 | 565,000 |
| Noninterest expense | 772,000 | 1,809,000 | 2,652,000 | 3,811,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 701,000 | 1,061,000 | 1,615,000 | 1,457,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 701,000 | 1,061,000 | 1,615,000 | 1,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,581,000 | 16,660,000 | 17,017,000 | 16,659,000 |
| Total capital | 17,947,000 | 18,027,000 | 18,390,000 | 17,698,000 |
| Risk-weighted assets | 109,261,000 | 110,769,000 | 116,951,000 | 121,987,000 |