Call reports 2016
COMMUNITY SPIRIT BANK — 2016
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 144,244,000 | 143,579,000 | 143,687,000 | 142,080,000 |
| Total loans | 94,393,000 | 94,767,000 | 93,643,000 | 93,722,000 |
| Allowance for loan losses | 1,124,000 | 1,232,000 | 1,023,000 | 980,000 |
| Securities available for sale | 26,285,000 | 26,493,000 | 27,352,000 | 27,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,282,000 | 125,350,000 | 125,383,000 | 124,557,000 |
| Interest-bearing deposits | 104,644,000 | 104,038,000 | 103,199,000 | 102,657,000 |
| Noninterest-bearing deposits | 21,638,000 | 21,312,000 | 22,184,000 | 21,900,000 |
| Equity capital | 14,882,000 | 15,102,000 | 15,103,000 | 14,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,537,000 | 3,102,000 | 4,661,000 | 6,215,000 |
| Interest expense | 155,000 | 310,000 | 466,000 | 615,000 |
| Net interest income | 1,382,000 | 2,792,000 | 4,195,000 | 5,600,000 |
| Noninterest income | 248,000 | 512,000 | 771,000 | 1,070,000 |
| Noninterest expense | 1,257,000 | 2,520,000 | 3,824,000 | 5,147,000 |
| Provision for loan losses | 36,000 | 173,000 | 197,000 | 224,000 |
| Pretax income | 357,000 | 653,000 | 1,017,000 | 1,371,000 |
| Income tax | 90,000 | 158,000 | 251,000 | 306,000 |
| Net income | 267,000 | 495,000 | 766,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,610,000 | 14,687,000 | 14,810,000 | 14,958,000 |
| Total capital | 15,734,000 | 15,890,000 | 15,833,000 | 15,938,000 |
| Risk-weighted assets | 96,191,000 | 96,287,000 | 95,164,000 | 95,289,000 |