Call reports 2011
COMMUNITY SPIRIT BANK — 2011
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 109,009,000 | 110,291,000 | 110,866,000 | 112,638,000 |
| Total loans | 75,851,000 | 75,192,000 | 74,636,000 | 74,953,000 |
| Allowance for loan losses | 874,000 | 882,000 | 890,000 | 884,000 |
| Securities available for sale | 17,593,000 | 18,267,000 | 19,226,000 | 19,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,230,000 | 97,321,000 | 97,603,000 | 99,540,000 |
| Interest-bearing deposits | 84,746,000 | 85,805,000 | 85,822,000 | 88,173,000 |
| Noninterest-bearing deposits | 11,484,000 | 11,516,000 | 11,781,000 | 11,367,000 |
| Equity capital | 8,600,000 | 8,957,000 | 9,226,000 | 9,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,443,000 | 2,895,000 | 4,350,000 | 5,762,000 |
| Interest expense | 390,000 | 769,000 | 1,147,000 | 1,464,000 |
| Net interest income | 1,053,000 | 2,126,000 | 3,203,000 | 4,298,000 |
| Noninterest income | 228,000 | 418,000 | 603,000 | 810,000 |
| Noninterest expense | 954,000 | 1,896,000 | 2,875,000 | 3,873,000 |
| Provision for loan losses | 6,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 321,000 | 663,000 | 957,000 | 1,293,000 |
| Income tax | 70,000 | 141,000 | 196,000 | 348,000 |
| Net income | 251,000 | 522,000 | 761,000 | 945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,495,000 | 8,705,000 | 8,834,000 | 8,913,000 |
| Total capital | 9,369,000 | 9,587,000 | 9,724,000 | 9,797,000 |
| Risk-weighted assets | 77,253,000 | 75,596,000 | 77,451,000 | 78,534,000 |