Call reports 2018
COMMUNITY SPIRIT BANK — 2018
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 143,193,000 | 142,004,000 | 142,497,000 | 148,325,000 |
| Total loans | 95,127,000 | 94,951,000 | 98,734,000 | 98,645,000 |
| Allowance for loan losses | 1,068,000 | 1,086,000 | 1,083,000 | 1,116,000 |
| Securities available for sale | 23,944,000 | 25,729,000 | 22,020,000 | 23,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,025,000 | 122,640,000 | 123,070,000 | 127,462,000 |
| Interest-bearing deposits | 99,501,000 | 98,674,000 | 99,295,000 | 103,697,000 |
| Noninterest-bearing deposits | 24,524,000 | 23,966,000 | 23,775,000 | 23,765,000 |
| Equity capital | 14,946,000 | 15,124,000 | 15,116,000 | 15,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,584,000 | 3,207,000 | 4,864,000 | 6,560,000 |
| Interest expense | 172,000 | 361,000 | 570,000 | 819,000 |
| Net interest income | 1,412,000 | 2,846,000 | 4,294,000 | 5,741,000 |
| Noninterest income | 371,000 | 664,000 | 1,080,000 | 1,402,000 |
| Noninterest expense | 1,229,000 | 2,457,000 | 3,674,000 | 5,136,000 |
| Provision for loan losses | 36,000 | 66,000 | 123,000 | 656,000 |
| Pretax income | 494,000 | 962,000 | 1,552,000 | 1,325,000 |
| Income tax | 99,000 | 186,000 | 273,000 | 161,000 |
| Net income | 395,000 | 776,000 | 1,279,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,431,000 | 15,598,000 | 15,745,000 | 15,916,000 |
| Total capital | 16,499,000 | 16,684,000 | 16,828,000 | 17,032,000 |
| Risk-weighted assets | 94,834,000 | 95,054,000 | 96,565,000 | 99,741,000 |