Call reports 2012
COMMUNITY SPIRIT BANK — 2012
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 139,184,000 | 138,846,000 | 137,199,000 | 139,222,000 |
| Total loans | 83,193,000 | 86,385,000 | 88,438,000 | 90,916,000 |
| Allowance for loan losses | 1,025,000 | 987,000 | 1,021,000 | 1,037,000 |
| Securities available for sale | 35,273,000 | 36,104,000 | 33,394,000 | 29,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,582,000 | 121,876,000 | 119,534,000 | 121,801,000 |
| Interest-bearing deposits | 106,621,000 | 104,655,000 | 102,797,000 | 106,928,000 |
| Noninterest-bearing deposits | 15,961,000 | 17,221,000 | 16,737,000 | 14,873,000 |
| Equity capital | 11,994,000 | 12,310,000 | 12,692,000 | 12,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,643,000 | 3,297,000 | 4,977,000 | 6,615,000 |
| Interest expense | 365,000 | 688,000 | 984,000 | 1,257,000 |
| Net interest income | 1,278,000 | 2,609,000 | 3,993,000 | 5,358,000 |
| Noninterest income | 233,000 | 457,000 | 675,000 | 918,000 |
| Noninterest expense | 1,034,000 | 2,117,000 | 3,168,000 | 4,301,000 |
| Provision for loan losses | 0 | 15,000 | 82,000 | 118,000 |
| Pretax income | 500,000 | 988,000 | 1,495,000 | 1,988,000 |
| Income tax | 158,000 | 303,000 | 463,000 | 551,000 |
| Net income | 342,000 | 685,000 | 1,032,000 | 1,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,489,000 | 11,794,000 | 12,081,000 | 12,374,000 |
| Total capital | 12,514,000 | 12,781,000 | 13,102,000 | 13,411,000 |
| Risk-weighted assets | 89,978,000 | 93,314,000 | 96,123,000 | 95,559,000 |