Call reports 2007
SPUR SECURITY BANK — 2007
What SPUR SECURITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 29,237,000 | 29,355,000 | 30,130,000 | 32,858,000 |
| Total loans | 11,297,000 | 11,005,000 | 11,213,000 | 11,514,000 |
| Allowance for loan losses | 46,000 | 49,000 | 52,000 | 66,000 |
| Securities available for sale | 14,361,000 | 14,219,000 | 14,188,000 | 16,590,000 |
| Securities held to maturity | 497,000 | 497,000 | 497,000 | 497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,529,000 | 26,805,000 | 27,233,000 | 29,806,000 |
| Interest-bearing deposits | 16,101,000 | 16,105,000 | 15,822,000 | 17,157,000 |
| Noninterest-bearing deposits | 10,428,000 | 10,700,000 | 11,411,000 | 12,649,000 |
| Equity capital | 2,580,000 | 2,423,000 | 2,750,000 | 2,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 444,000 | 889,000 | 1,346,000 | 1,821,000 |
| Interest expense | 164,000 | 335,000 | 511,000 | 696,000 |
| Net interest income | 280,000 | 554,000 | 835,000 | 1,125,000 |
| Noninterest income | 25,000 | 63,000 | 97,000 | 126,000 |
| Noninterest expense | 266,000 | 473,000 | 697,000 | 951,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 39,000 | 144,000 | 235,000 | 250,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 13,000 |
| Net income | 36,000 | 137,000 | 225,000 | 237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,700,000 | 2,802,000 | 2,886,000 | 2,859,000 |
| Total capital | 2,746,000 | 2,851,000 | 2,938,000 | 2,925,000 |
| Risk-weighted assets | 15,008,000 | 14,869,000 | 13,818,000 | 15,964,000 |