Call reports 2005
SPUR SECURITY BANK — 2005
What SPUR SECURITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 30,661,000 | 29,740,000 | 29,157,000 | 30,694,000 |
| Total loans | 10,275,000 | 10,846,000 | 11,446,000 | 11,241,000 |
| Allowance for loan losses | 43,000 | 88,000 | 86,000 | 72,000 |
| Securities available for sale | 13,454,000 | 15,397,000 | 14,578,000 | 16,186,000 |
| Securities held to maturity | 504,000 | 498,000 | 496,000 | 497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,420,000 | 27,416,000 | 26,056,000 | 28,396,000 |
| Interest-bearing deposits | 17,752,000 | 17,109,000 | 16,824,000 | 17,630,000 |
| Noninterest-bearing deposits | 10,668,000 | 10,307,000 | 9,232,000 | 10,766,000 |
| Equity capital | 2,168,000 | 2,243,000 | 2,259,000 | 2,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 353,000 | 735,000 | 1,136,000 | 1,564,000 |
| Interest expense | 91,000 | 196,000 | 310,000 | 428,000 |
| Net interest income | 262,000 | 539,000 | 826,000 | 1,136,000 |
| Noninterest income | 20,000 | 47,000 | 76,000 | 101,000 |
| Noninterest expense | 243,000 | 454,000 | 680,000 | 922,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 39,000 | 77,000 | 167,000 | 260,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 11,000 |
| Net income | 36,000 | 72,000 | 159,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,284,000 | 2,320,000 | 2,408,000 | 2,425,000 |
| Total capital | 2,327,000 | 2,408,000 | 2,494,000 | 2,497,000 |
| Risk-weighted assets | 13,520,000 | 14,189,000 | 15,030,000 | 15,022,000 |