Call reports 2007
COMMUNITY SPIRIT BANK — 2007
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 92,423,000 | 93,748,000 | 97,859,000 | 102,193,000 |
| Total loans | 65,087,000 | 65,392,000 | 66,789,000 | 66,915,000 |
| Allowance for loan losses | 854,000 | 802,000 | 787,000 | 722,000 |
| Securities available for sale | 11,546,000 | 12,362,000 | 14,386,000 | 19,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,962,000 | 75,317,000 | 78,227,000 | 82,374,000 |
| Interest-bearing deposits | 63,132,000 | 65,280,000 | 69,088,000 | 73,529,000 |
| Noninterest-bearing deposits | 9,830,000 | 10,037,000 | 9,139,000 | 8,845,000 |
| Equity capital | 7,199,000 | 7,194,000 | 7,442,000 | 7,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,522,000 | 3,115,000 | 4,797,000 | 6,540,000 |
| Interest expense | 738,000 | 1,514,000 | 2,348,000 | 3,220,000 |
| Net interest income | 784,000 | 1,601,000 | 2,449,000 | 3,320,000 |
| Noninterest income | 288,000 | 457,000 | 780,000 | 1,005,000 |
| Noninterest expense | 922,000 | 1,763,000 | 2,603,000 | 3,456,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 152,000 | 297,000 | 634,000 | 877,000 |
| Income tax | 31,000 | 54,000 | 148,000 | 206,000 |
| Net income | 121,000 | 243,000 | 486,000 | 671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,252,000 | 7,331,000 | 7,494,000 | 7,669,000 |
| Total capital | 8,106,000 | 8,133,000 | 8,281,000 | 8,391,000 |
| Risk-weighted assets | 69,969,000 | 69,979,000 | 72,250,000 | 73,251,000 |
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