Call reports 2006
COMMUNITY SPIRIT BANK — 2006
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 84,677,000 | 87,272,000 | 87,608,000 | 91,284,000 |
| Total loans | 60,283,000 | 61,209,000 | 63,350,000 | 64,097,000 |
| Allowance for loan losses | 840,000 | 821,000 | 831,000 | 845,000 |
| Securities available for sale | 8,281,000 | 9,780,000 | 9,806,000 | 10,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,103,000 | 68,575,000 | 68,315,000 | 71,671,000 |
| Interest-bearing deposits | 58,704,000 | 59,836,000 | 60,183,000 | 62,682,000 |
| Noninterest-bearing deposits | 9,399,000 | 8,739,000 | 8,132,000 | 8,989,000 |
| Equity capital | 7,289,000 | 7,317,000 | 7,481,000 | 7,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,275,000 | 2,643,000 | 4,088,000 | 5,597,000 |
| Interest expense | 548,000 | 1,188,000 | 1,864,000 | 2,596,000 |
| Net interest income | 727,000 | 1,455,000 | 2,224,000 | 3,001,000 |
| Noninterest income | 264,000 | 564,000 | 869,000 | 1,082,000 |
| Noninterest expense | 839,000 | 1,661,000 | 2,484,000 | 3,339,000 |
| Provision for loan losses | 16,000 | 26,000 | 41,000 | 56,000 |
| Pretax income | 136,000 | 332,000 | 589,000 | 710,000 |
| Income tax | 25,000 | 76,000 | 147,000 | 163,000 |
| Net income | 111,000 | 256,000 | 442,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,390,000 | 7,465,000 | 7,551,000 | 7,423,000 |
| Total capital | 8,186,000 | 8,279,000 | 8,382,000 | 8,268,000 |
| Risk-weighted assets | 63,622,000 | 65,145,000 | 66,700,000 | 68,540,000 |
Machine access — free, no API key
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