Call reports 2017
STATE BANK OF SPEER — 2017
What STATE BANK OF SPEER reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 177,357,000 | 178,020,000 | 178,949,000 | 182,638,000 |
| Total loans | 86,362,000 | 85,898,000 | 87,388,000 | 90,614,000 |
| Allowance for loan losses | 2,133,000 | 2,265,000 | 2,560,000 | 893,000 |
| Securities available for sale | 83,160,000 | 83,448,000 | 82,645,000 | 81,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,686,000 | 140,688,000 | 144,863,000 | 144,942,000 |
| Interest-bearing deposits | 122,705,000 | 121,442,000 | 125,491,000 | 121,967,000 |
| Noninterest-bearing deposits | 19,981,000 | 19,246,000 | 19,372,000 | 22,975,000 |
| Equity capital | 16,508,000 | 17,078,000 | 16,808,000 | 16,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,373,000 | 2,770,000 | 4,180,000 | 5,635,000 |
| Interest expense | 233,000 | 481,000 | 740,000 | 999,000 |
| Net interest income | 1,140,000 | 2,289,000 | 3,440,000 | 4,636,000 |
| Noninterest income | 152,000 | 289,000 | 413,000 | 558,000 |
| Noninterest expense | 870,000 | 1,731,000 | 2,625,000 | 3,462,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 133,000 | 258,000 | 339,000 | 543,000 |
| Income tax | 17,000 | 39,000 | 51,000 | 63,000 |
| Net income | 116,000 | 219,000 | 288,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,682,000 | 16,527,000 | 16,434,000 | 16,488,000 |
| Total capital | 18,159,000 | 17,949,000 | 17,845,000 | 17,381,000 |
| Risk-weighted assets | 117,543,000 | 112,911,000 | 111,722,000 | 114,361,000 |