Call reports 2002
COMMUNITY SPIRIT BANK — 2002
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 84,522,000 | 83,925,000 | 81,589,000 | 82,827,000 |
| Total loans | 61,590,000 | 59,628,000 | 58,454,000 | 58,040,000 |
| Allowance for loan losses | 969,000 | 955,000 | 1,101,000 | 1,080,000 |
| Securities available for sale | 11,919,000 | 13,708,000 | 11,460,000 | 14,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,963,000 | 67,271,000 | 65,081,000 | 66,025,000 |
| Interest-bearing deposits | 61,466,000 | 60,217,000 | 58,447,000 | 59,145,000 |
| Noninterest-bearing deposits | 6,497,000 | 7,054,000 | 6,634,000 | 6,880,000 |
| Equity capital | 6,210,000 | 6,328,000 | 6,551,000 | 6,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,493,000 | 2,938,000 | 4,327,000 | 5,658,000 |
| Interest expense | 656,000 | 1,221,000 | 1,764,000 | 2,282,000 |
| Net interest income | 837,000 | 1,717,000 | 2,563,000 | 3,376,000 |
| Noninterest income | 509,000 | 703,000 | 904,000 | 1,514,000 |
| Noninterest expense | 964,000 | 1,906,000 | 2,811,000 | 3,773,000 |
| Provision for loan losses | 252,000 | 372,000 | 714,000 | 873,000 |
| Pretax income | 130,000 | 143,000 | -47,000 | 265,000 |
| Income tax | 22,000 | 27,000 | 0 | -17,000 |
| Net income | 108,000 | 116,000 | -47,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,336,000 | 6,276,000 | 6,351,000 | 6,680,000 |
| Total capital | 7,103,000 | 7,021,000 | 7,075,000 | 7,452,000 |
| Risk-weighted assets | 61,154,000 | 59,525,000 | 57,557,000 | 61,430,000 |
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