Call reports 2008
SPUR SECURITY BANK — 2008
What SPUR SECURITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 35,342,000 | 34,154,000 | 33,877,000 | 33,644,000 |
| Total loans | 10,720,000 | 10,550,000 | 11,440,000 | 11,299,000 |
| Allowance for loan losses | 58,000 | 69,000 | 71,000 | 60,000 |
| Securities available for sale | 17,086,000 | 18,710,000 | 18,518,000 | 17,599,000 |
| Securities held to maturity | 497,000 | 497,000 | 497,000 | 497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,894,000 | 31,135,000 | 30,097,000 | 29,825,000 |
| Interest-bearing deposits | 18,209,000 | 18,873,000 | 18,127,000 | 17,906,000 |
| Noninterest-bearing deposits | 13,685,000 | 12,262,000 | 11,970,000 | 11,919,000 |
| Equity capital | 3,295,000 | 2,869,000 | 3,241,000 | 3,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 480,000 | 950,000 | 1,425,000 | 1,891,000 |
| Interest expense | 181,000 | 349,000 | 496,000 | 629,000 |
| Net interest income | 299,000 | 601,000 | 929,000 | 1,262,000 |
| Noninterest income | 30,000 | 62,000 | 94,000 | 118,000 |
| Noninterest expense | 242,000 | 474,000 | 721,000 | 991,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 87,000 | 189,000 | 302,000 | 389,000 |
| Income tax | 0 | 5,000 | 7,000 | 10,000 |
| Net income | 87,000 | 184,000 | 295,000 | 379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,946,000 | 3,045,000 | 3,157,000 | 3,171,000 |
| Total capital | 3,004,000 | 3,114,000 | 3,228,000 | 3,231,000 |
| Risk-weighted assets | 15,688,000 | 15,566,000 | 16,226,000 | 15,990,000 |