Call reports 2019
COMMUNITY SPIRIT BANK — 2019
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 147,301,000 | 148,500,000 | 149,161,000 | 152,607,000 |
| Total loans | 97,939,000 | 100,410,000 | 101,728,000 | 103,323,000 |
| Allowance for loan losses | 1,139,000 | 1,167,000 | 1,117,000 | 1,101,000 |
| Securities available for sale | 25,224,000 | 23,747,000 | 24,604,000 | 26,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,280,000 | 126,999,000 | 127,561,000 | 131,660,000 |
| Interest-bearing deposits | 101,417,000 | 101,551,000 | 101,135,000 | 105,224,000 |
| Noninterest-bearing deposits | 24,863,000 | 25,448,000 | 26,426,000 | 26,436,000 |
| Equity capital | 15,955,000 | 16,285,000 | 16,472,000 | 16,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,704,000 | 3,495,000 | 5,282,000 | 7,122,000 |
| Interest expense | 287,000 | 600,000 | 919,000 | 1,227,000 |
| Net interest income | 1,417,000 | 2,895,000 | 4,363,000 | 5,895,000 |
| Noninterest income | 301,000 | 586,000 | 874,000 | 1,196,000 |
| Noninterest expense | 1,315,000 | 2,693,000 | 4,077,000 | 5,484,000 |
| Provision for loan losses | 24,000 | 60,000 | 98,000 | 162,000 |
| Pretax income | 379,000 | 719,000 | 1,051,000 | 1,434,000 |
| Income tax | 65,000 | 115,000 | 164,000 | 561,000 |
| Net income | 314,000 | 604,000 | 887,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,014,000 | 16,089,000 | 16,156,000 | 15,927,000 |
| Total capital | 17,153,000 | 17,256,000 | 17,273,000 | 17,028,000 |
| Risk-weighted assets | 100,544,000 | 101,598,000 | 100,614,000 | 101,703,000 |