Call reports 2008
COMMUNITY SPIRIT BANK — 2008
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 103,058,000 | 100,120,000 | 98,469,000 | 102,406,000 |
| Total loans | 67,609,000 | 68,108,000 | 68,578,000 | 70,611,000 |
| Allowance for loan losses | 736,000 | 698,000 | 693,000 | 727,000 |
| Securities available for sale | 19,063,000 | 17,450,000 | 15,303,000 | 15,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,034,000 | 81,358,000 | 79,779,000 | 84,839,000 |
| Interest-bearing deposits | 73,074,000 | 71,249,000 | 70,841,000 | 76,086,000 |
| Noninterest-bearing deposits | 9,960,000 | 10,109,000 | 8,938,000 | 8,753,000 |
| Equity capital | 7,850,000 | 7,666,000 | 7,675,000 | 7,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,706,000 | 3,356,000 | 4,935,000 | 6,449,000 |
| Interest expense | 842,000 | 1,596,000 | 2,286,000 | 2,930,000 |
| Net interest income | 864,000 | 1,760,000 | 2,649,000 | 3,519,000 |
| Noninterest income | 278,000 | 526,000 | 665,000 | 949,000 |
| Noninterest expense | 963,000 | 1,924,000 | 2,848,000 | 3,757,000 |
| Provision for loan losses | 0 | 0 | 0 | 187,000 |
| Pretax income | 197,000 | 385,000 | 495,000 | 565,000 |
| Income tax | 23,000 | 51,000 | 29,000 | 26,000 |
| Net income | 174,000 | 334,000 | 466,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,663,000 | 7,803,000 | 7,850,000 | 7,918,000 |
| Total capital | 8,399,000 | 8,501,000 | 8,543,000 | 8,645,000 |
| Risk-weighted assets | 74,256,000 | 74,443,000 | 75,156,000 | 76,945,000 |
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