Call reports 2005
COMMUNITY SPIRIT BANK — 2005
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,771,000 | 75,423,000 | 76,420,000 | 81,423,000 |
| Total loans | 52,580,000 | 52,305,000 | 55,754,000 | 60,459,000 |
| Allowance for loan losses | 889,000 | 878,000 | 838,000 | 818,000 |
| Securities available for sale | 11,000,000 | 10,385,000 | 8,246,000 | 7,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,433,000 | 59,915,000 | 60,754,000 | 65,389,000 |
| Interest-bearing deposits | 51,359,000 | 52,253,000 | 53,157,000 | 55,784,000 |
| Noninterest-bearing deposits | 8,074,000 | 7,662,000 | 7,597,000 | 9,605,000 |
| Equity capital | 7,120,000 | 7,217,000 | 7,282,000 | 7,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,151,000 | 2,240,000 | 3,403,000 | 4,631,000 |
| Interest expense | 402,000 | 816,000 | 1,273,000 | 1,764,000 |
| Net interest income | 749,000 | 1,424,000 | 2,130,000 | 2,867,000 |
| Noninterest income | 202,000 | 508,000 | 824,000 | 1,092,000 |
| Noninterest expense | 863,000 | 1,666,000 | 2,448,000 | 3,232,000 |
| Provision for loan losses | 5,000 | 4,000 | 5,000 | 5,000 |
| Pretax income | 83,000 | 259,000 | 498,000 | 719,000 |
| Income tax | 12,000 | 55,000 | 119,000 | 182,000 |
| Net income | 71,000 | 204,000 | 379,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,186,000 | 7,254,000 | 7,331,000 | 7,439,000 |
| Total capital | 7,875,000 | 7,959,000 | 8,070,000 | 8,230,000 |
| Risk-weighted assets | 54,936,000 | 56,195,000 | 58,995,000 | 63,217,000 |
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