Call reports 2004
SPUR SECURITY BANK — 2004
What SPUR SECURITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 29,571,000 | 27,995,000 | 28,022,000 | 29,123,000 |
| Total loans | 10,063,000 | 10,661,000 | 10,857,000 | 10,969,000 |
| Allowance for loan losses | 90,000 | 37,000 | 33,000 | 124,000 |
| Securities available for sale | 10,322,000 | 12,647,000 | 12,715,000 | 11,584,000 |
| Securities held to maturity | 590,000 | 556,000 | 511,000 | 508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,189,000 | 25,749,000 | 25,598,000 | 26,898,000 |
| Interest-bearing deposits | 17,241,000 | 16,712,000 | 16,216,000 | 17,098,000 |
| Noninterest-bearing deposits | 9,948,000 | 9,037,000 | 9,382,000 | 9,800,000 |
| Equity capital | 2,278,000 | 2,180,000 | 2,328,000 | 2,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 336,000 | 678,000 | 1,025,000 | 1,374,000 |
| Interest expense | 82,000 | 166,000 | 248,000 | 332,000 |
| Net interest income | 254,000 | 512,000 | 777,000 | 1,042,000 |
| Noninterest income | 20,000 | 47,000 | 92,000 | 111,000 |
| Noninterest expense | 232,000 | 455,000 | 672,000 | 899,000 |
| Provision for loan losses | 0 | 0 | 0 | 90,000 |
| Pretax income | 42,000 | 104,000 | 197,000 | 164,000 |
| Income tax | 10,000 | 29,000 | 52,000 | 35,000 |
| Net income | 32,000 | 75,000 | 145,000 | 129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,235,000 | 2,278,000 | 2,348,000 | 2,242,000 |
| Total capital | 2,325,000 | 2,315,000 | 2,381,000 | 2,366,000 |
| Risk-weighted assets | 12,843,000 | 10,419,000 | 13,598,000 | 13,766,000 |