Call reports 2014
COMMUNITY SPIRIT BANK — 2014
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 141,232,000 | 143,420,000 | 140,570,000 | 145,034,000 |
| Total loans | 91,459,000 | 91,574,000 | 93,701,000 | 91,719,000 |
| Allowance for loan losses | 1,234,000 | 1,219,000 | 2,887,000 | 946,000 |
| Securities available for sale | 26,743,000 | 28,457,000 | 26,951,000 | 27,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,565,000 | 124,356,000 | 121,389,000 | 125,865,000 |
| Interest-bearing deposits | 105,575,000 | 106,124,000 | 102,582,000 | 107,342,000 |
| Noninterest-bearing deposits | 16,990,000 | 18,232,000 | 18,807,000 | 18,523,000 |
| Equity capital | 13,219,000 | 13,661,000 | 13,831,000 | 14,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,546,000 | 3,147,000 | 4,684,000 | 6,236,000 |
| Interest expense | 213,000 | 403,000 | 582,000 | 757,000 |
| Net interest income | 1,333,000 | 2,744,000 | 4,102,000 | 5,479,000 |
| Noninterest income | 239,000 | 492,000 | 743,000 | 1,024,000 |
| Noninterest expense | 1,169,000 | 2,368,000 | 3,582,000 | 4,791,000 |
| Provision for loan losses | 30,000 | 40,000 | 1,710,000 | 1,710,000 |
| Pretax income | 397,000 | 856,000 | -412,000 | 44,000 |
| Income tax | 95,000 | 221,000 | -309,000 | -182,000 |
| Net income | 302,000 | 635,000 | -103,000 | 226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,365,000 | 13,577,000 | 13,720,000 | 13,928,000 |
| Total capital | 14,580,000 | 14,796,000 | 14,951,000 | 14,874,000 |
| Risk-weighted assets | 97,204,000 | 97,610,000 | 96,795,000 | 95,918,000 |