Call reports 2003
SPUR SECURITY BANK — 2003
What SPUR SECURITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 28,998,000 | 28,926,000 | 28,309,000 | 28,940,000 |
| Total loans | 10,713,000 | 10,220,000 | 10,450,000 | 10,506,000 |
| Allowance for loan losses | 112,000 | 114,000 | 92,000 | 95,000 |
| Securities available for sale | 8,551,000 | 10,640,000 | 11,391,000 | 12,243,000 |
| Securities held to maturity | 1,325,000 | 720,000 | 640,000 | 603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,610,000 | 26,515,000 | 26,009,000 | 26,652,000 |
| Interest-bearing deposits | 18,813,000 | 17,755,000 | 17,044,000 | 17,081,000 |
| Noninterest-bearing deposits | 7,797,000 | 8,760,000 | 8,965,000 | 9,571,000 |
| Equity capital | 2,246,000 | 2,291,000 | 2,193,000 | 2,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 412,000 | 804,000 | 1,176,000 | 1,529,000 |
| Interest expense | 138,000 | 267,000 | 361,000 | 445,000 |
| Net interest income | 274,000 | 537,000 | 815,000 | 1,084,000 |
| Noninterest income | 17,000 | 42,000 | 64,000 | 84,000 |
| Noninterest expense | 237,000 | 458,000 | 674,000 | 918,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 54,000 | 121,000 | 205,000 | 235,000 |
| Income tax | 17,000 | 38,000 | 64,000 | 67,000 |
| Net income | 37,000 | 83,000 | 141,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,182,000 | 2,228,000 | 2,175,000 | 2,203,000 |
| Total capital | 2,294,000 | 2,342,000 | 2,267,000 | 2,298,000 |
| Risk-weighted assets | 13,481,000 | 13,430,000 | 13,439,000 | 13,285,000 |