Call reports 2009
COMMUNITY SPIRIT BANK — 2009
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 102,233,000 | 103,289,000 | 104,105,000 | 112,508,000 |
| Total loans | 69,809,000 | 70,814,000 | 72,668,000 | 74,852,000 |
| Allowance for loan losses | 755,000 | 729,000 | 744,000 | 789,000 |
| Securities available for sale | 15,012,000 | 14,371,000 | 14,614,000 | 15,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,960,000 | 86,120,000 | 86,740,000 | 95,179,000 |
| Interest-bearing deposits | 75,572,000 | 77,750,000 | 77,734,000 | 86,123,000 |
| Noninterest-bearing deposits | 9,388,000 | 8,370,000 | 9,006,000 | 9,056,000 |
| Equity capital | 7,952,000 | 7,785,000 | 7,955,000 | 8,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,463,000 | 2,904,000 | 4,375,000 | 5,877,000 |
| Interest expense | 595,000 | 1,180,000 | 1,758,000 | 2,313,000 |
| Net interest income | 868,000 | 1,724,000 | 2,617,000 | 3,564,000 |
| Noninterest income | 219,000 | 446,000 | 702,000 | 980,000 |
| Noninterest expense | 933,000 | 1,929,000 | 2,884,000 | 3,815,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 123,000 | -331,000 | -207,000 | 59,000 |
| Income tax | -15,000 | -76,000 | -106,000 | -77,000 |
| Net income | 138,000 | -255,000 | -101,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,901,000 | 7,869,000 | 7,891,000 | 8,026,000 |
| Total capital | 8,656,000 | 8,598,000 | 8,635,000 | 8,815,000 |
| Risk-weighted assets | 75,329,000 | 78,680,000 | 75,521,000 | 80,444,000 |