Call reports 2013
COMMUNITY SPIRIT BANK — 2013
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 138,272,000 | 138,902,000 | 139,242,000 | 139,813,000 |
| Total loans | 91,645,000 | 90,674,000 | 91,350,000 | 94,063,000 |
| Allowance for loan losses | 1,226,000 | 1,223,000 | 1,214,000 | 1,254,000 |
| Securities available for sale | 28,640,000 | 27,699,000 | 27,924,000 | 27,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,074,000 | 122,161,000 | 122,236,000 | 122,996,000 |
| Interest-bearing deposits | 103,726,000 | 104,748,000 | 104,862,000 | 107,258,000 |
| Noninterest-bearing deposits | 17,348,000 | 17,413,000 | 17,374,000 | 15,738,000 |
| Equity capital | 12,942,000 | 12,498,000 | 12,801,000 | 12,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,596,000 | 3,278,000 | 4,886,000 | 6,503,000 |
| Interest expense | 253,000 | 500,000 | 746,000 | 971,000 |
| Net interest income | 1,343,000 | 2,778,000 | 4,140,000 | 5,532,000 |
| Noninterest income | 223,000 | 460,000 | 702,000 | 961,000 |
| Noninterest expense | 1,102,000 | 2,257,000 | 3,405,000 | 4,592,000 |
| Provision for loan losses | 152,000 | 151,000 | 161,000 | 396,000 |
| Pretax income | 334,000 | 857,000 | 1,303,000 | 1,574,000 |
| Income tax | 73,000 | 226,000 | 351,000 | 366,000 |
| Net income | 261,000 | 631,000 | 952,000 | 1,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,535,000 | 12,806,000 | 13,026,000 | 13,183,000 |
| Total capital | 13,754,000 | 14,023,000 | 14,240,000 | 14,433,000 |
| Risk-weighted assets | 97,500,000 | 97,357,000 | 98,321,000 | 100,015,000 |