Call reports 2015
COMMUNITY SPIRIT BANK — 2015
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 140,670,000 | 138,128,000 | 136,863,000 | 145,553,000 |
| Total loans | 92,322,000 | 92,409,000 | 91,721,000 | 94,248,000 |
| Allowance for loan losses | 975,000 | 971,000 | 1,002,000 | 1,014,000 |
| Securities available for sale | 27,390,000 | 26,146,000 | 26,123,000 | 24,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,874,000 | 120,392,000 | 118,804,000 | 127,581,000 |
| Interest-bearing deposits | 103,358,000 | 101,282,000 | 99,852,000 | 106,834,000 |
| Noninterest-bearing deposits | 19,516,000 | 19,110,000 | 18,952,000 | 20,747,000 |
| Equity capital | 14,294,000 | 14,212,000 | 14,523,000 | 14,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,515,000 | 3,045,000 | 4,571,000 | 6,103,000 |
| Interest expense | 164,000 | 326,000 | 475,000 | 631,000 |
| Net interest income | 1,351,000 | 2,719,000 | 4,096,000 | 5,472,000 |
| Noninterest income | 232,000 | 477,000 | 806,000 | 1,085,000 |
| Noninterest expense | 1,212,000 | 2,427,000 | 3,682,000 | 4,924,000 |
| Provision for loan losses | 75,000 | 113,000 | 150,000 | 188,000 |
| Pretax income | 322,000 | 700,000 | 1,114,000 | 1,502,000 |
| Income tax | 75,000 | 164,000 | 272,000 | 337,000 |
| Net income | 247,000 | 536,000 | 842,000 | 1,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,025,000 | 14,164,000 | 14,320,000 | 14,493,000 |
| Total capital | 15,000,000 | 15,135,000 | 15,322,000 | 15,507,000 |
| Risk-weighted assets | 98,617,000 | 98,247,000 | 91,837,000 | 95,659,000 |