Call reports 2006
SPUR SECURITY BANK — 2006
What SPUR SECURITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 30,329,000 | 29,442,000 | 29,778,000 | 30,276,000 |
| Total loans | 10,434,000 | 10,830,000 | 11,253,000 | 11,737,000 |
| Allowance for loan losses | 73,000 | 69,000 | 68,000 | 75,000 |
| Securities available for sale | 16,275,000 | 15,531,000 | 15,819,000 | 15,612,000 |
| Securities held to maturity | 497,000 | 497,000 | 497,000 | 497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,951,000 | 27,142,000 | 26,938,000 | 27,345,000 |
| Interest-bearing deposits | 16,841,000 | 16,850,000 | 16,303,000 | 16,333,000 |
| Noninterest-bearing deposits | 11,110,000 | 10,292,000 | 10,635,000 | 11,012,000 |
| Equity capital | 2,281,000 | 2,200,000 | 2,474,000 | 2,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 864,000 | 1,307,000 | 1,761,000 |
| Interest expense | 128,000 | 269,000 | 420,000 | 587,000 |
| Net interest income | 307,000 | 595,000 | 887,000 | 1,174,000 |
| Noninterest income | 24,000 | 49,000 | 83,000 | 107,000 |
| Noninterest expense | 228,000 | 450,000 | 676,000 | 934,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 103,000 | 194,000 | 294,000 | 327,000 |
| Income tax | 0 | 5,000 | 8,000 | 10,000 |
| Net income | 103,000 | 189,000 | 286,000 | 317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,528,000 | 2,614,000 | 2,712,000 | 2,662,000 |
| Total capital | 2,601,000 | 2,683,000 | 2,780,000 | 2,737,000 |
| Risk-weighted assets | 14,253,000 | 14,735,000 | 15,116,000 | 14,518,000 |