Call reports 2016
STATE BANK OF SPEER — 2016
What STATE BANK OF SPEER reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 176,806,000 | 191,613,000 | 182,518,000 | 181,866,000 |
| Total loans | 82,605,000 | 84,417,000 | 86,417,000 | 88,270,000 |
| Allowance for loan losses | 1,043,000 | 1,296,000 | 1,409,000 | 1,857,000 |
| Securities available for sale | 84,806,000 | 84,826,000 | 84,439,000 | 82,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,842,000 | 137,969,000 | 139,189,000 | 140,623,000 |
| Interest-bearing deposits | 118,448,000 | 119,732,000 | 121,822,000 | 119,288,000 |
| Noninterest-bearing deposits | 18,394,000 | 18,237,000 | 17,367,000 | 21,335,000 |
| Equity capital | 18,252,000 | 18,649,000 | 18,609,000 | 16,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,390,000 | 2,763,000 | 4,139,000 | 5,514,000 |
| Interest expense | 222,000 | 446,000 | 670,000 | 899,000 |
| Net interest income | 1,168,000 | 2,317,000 | 3,469,000 | 4,615,000 |
| Noninterest income | 147,000 | 315,000 | 453,000 | 609,000 |
| Noninterest expense | 820,000 | 1,700,000 | 2,587,000 | 3,537,000 |
| Provision for loan losses | 201,000 | 452,000 | 602,000 | 1,052,000 |
| Pretax income | 298,000 | 484,000 | 760,000 | 697,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 298,000 | 484,000 | 760,000 | 697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,797,000 | 16,773,000 | 16,867,000 | 16,658,000 |
| Total capital | 17,840,000 | 18,069,000 | 18,223,000 | 17,993,000 |
| Risk-weighted assets | 104,652,000 | 121,351,000 | 108,412,000 | 106,260,000 |