Call reports 2010
COMMUNITY SPIRIT BANK — 2010
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 111,342,000 | 108,192,000 | 106,238,000 | 111,884,000 |
| Total loans | 74,751,000 | 74,159,000 | 75,827,000 | 75,618,000 |
| Allowance for loan losses | 776,000 | 812,000 | 847,000 | 878,000 |
| Securities available for sale | 15,715,000 | 17,225,000 | 14,807,000 | 16,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,746,000 | 93,427,000 | 93,280,000 | 99,324,000 |
| Interest-bearing deposits | 83,139,000 | 83,744,000 | 82,680,000 | 88,567,000 |
| Noninterest-bearing deposits | 11,607,000 | 9,683,000 | 10,600,000 | 10,757,000 |
| Equity capital | 8,258,000 | 8,465,000 | 8,702,000 | 8,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,465,000 | 2,942,000 | 4,411,000 | 5,863,000 |
| Interest expense | 522,000 | 1,011,000 | 1,455,000 | 1,862,000 |
| Net interest income | 943,000 | 1,931,000 | 2,956,000 | 4,001,000 |
| Noninterest income | 241,000 | 467,000 | 685,000 | 925,000 |
| Noninterest expense | 965,000 | 1,914,000 | 2,865,000 | 3,865,000 |
| Provision for loan losses | 13,000 | 46,000 | 76,000 | 106,000 |
| Pretax income | 200,000 | 433,000 | 695,000 | 914,000 |
| Income tax | 11,000 | 30,000 | 58,000 | 169,000 |
| Net income | 189,000 | 403,000 | 637,000 | 745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,100,000 | 8,263,000 | 8,408,000 | 8,369,000 |
| Total capital | 8,876,000 | 9,075,000 | 9,255,000 | 9,247,000 |
| Risk-weighted assets | 79,142,000 | 80,331,000 | 79,722,000 | 79,076,000 |