Call reports 2004
COMMUNITY SPIRIT BANK — 2004
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 82,511,000 | 81,936,000 | 74,021,000 | 74,647,000 |
| Total loans | 53,550,000 | 54,378,000 | 51,688,000 | 51,713,000 |
| Allowance for loan losses | 1,000,000 | 1,015,000 | 962,000 | 960,000 |
| Securities available for sale | 15,662,000 | 15,550,000 | 12,439,000 | 12,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,469,000 | 64,972,000 | 56,265,000 | 57,142,000 |
| Interest-bearing deposits | 56,403,000 | 56,668,000 | 50,068,000 | 50,432,000 |
| Noninterest-bearing deposits | 9,066,000 | 8,304,000 | 6,197,000 | 6,710,000 |
| Equity capital | 6,948,000 | 6,809,000 | 7,287,000 | 7,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,134,000 | 2,258,000 | 3,340,000 | 4,399,000 |
| Interest expense | 396,000 | 779,000 | 1,171,000 | 1,572,000 |
| Net interest income | 738,000 | 1,479,000 | 2,169,000 | 2,827,000 |
| Noninterest income | 224,000 | 450,000 | 1,293,000 | 1,538,000 |
| Noninterest expense | 826,000 | 1,657,000 | 2,444,000 | 3,340,000 |
| Provision for loan losses | 37,000 | 51,000 | 51,000 | 53,000 |
| Pretax income | 94,000 | 198,000 | 944,000 | 949,000 |
| Income tax | 15,000 | 13,000 | 289,000 | 258,000 |
| Net income | 79,000 | 185,000 | 655,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,784,000 | 6,827,000 | 7,214,000 | 7,205,000 |
| Total capital | 7,526,000 | 7,570,000 | 7,893,000 | 7,881,000 |
| Risk-weighted assets | 59,089,000 | 59,154,000 | 54,025,000 | 53,807,000 |
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