Call reports 2003
COMMUNITY SPIRIT BANK — 2003
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 80,793,000 | 84,533,000 | 82,169,000 | 80,147,000 |
| Total loans | 57,238,000 | 57,415,000 | 56,647,000 | 55,843,000 |
| Allowance for loan losses | 1,030,000 | 1,051,000 | 1,041,000 | 1,032,000 |
| Securities available for sale | 13,018,000 | 14,869,000 | 13,558,000 | 14,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,063,000 | 67,697,000 | 65,301,000 | 63,238,000 |
| Interest-bearing deposits | 57,003,000 | 58,941,000 | 58,188,000 | 55,527,000 |
| Noninterest-bearing deposits | 7,060,000 | 8,756,000 | 7,113,000 | 7,711,000 |
| Equity capital | 6,717,000 | 6,832,000 | 6,827,000 | 6,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,483,000 | 3,683,000 | 4,856,000 |
| Interest expense | 451,000 | 909,000 | 1,333,000 | 1,742,000 |
| Net interest income | 789,000 | 1,574,000 | 2,350,000 | 3,114,000 |
| Noninterest income | 245,000 | 482,000 | 682,000 | 899,000 |
| Noninterest expense | 938,000 | 1,818,000 | 2,645,000 | 3,478,000 |
| Provision for loan losses | 156,000 | 213,000 | 235,000 | 250,000 |
| Pretax income | -36,000 | 49,000 | 176,000 | 309,000 |
| Income tax | 2,000 | 21,000 | 59,000 | 30,000 |
| Net income | -38,000 | 28,000 | 117,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,547,000 | 6,610,000 | 6,676,000 | 6,796,000 |
| Total capital | 7,303,000 | 7,397,000 | 7,454,000 | 7,569,000 |
| Risk-weighted assets | 60,220,000 | 62,720,000 | 61,946,000 | 61,608,000 |
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