Call reports 2020
COMMUNITY SPIRIT BANK — 2020
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 152,037,000 | 162,005,000 | 159,030,000 | 167,400,000 |
| Total loans | 105,237,000 | 112,415,000 | 115,564,000 | 111,495,000 |
| Allowance for loan losses | 1,146,000 | 1,216,000 | 1,265,000 | 1,289,000 |
| Securities available for sale | 23,352,000 | 24,639,000 | 25,735,000 | 25,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,924,000 | 139,603,000 | 136,296,000 | 145,559,000 |
| Interest-bearing deposits | 103,135,000 | 104,050,000 | 103,822,000 | 108,920,000 |
| Noninterest-bearing deposits | 26,789,000 | 35,553,000 | 32,474,000 | 36,639,000 |
| Equity capital | 16,404,000 | 17,096,000 | 17,138,000 | 17,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,807,000 | 3,723,000 | 5,563,000 | 7,414,000 |
| Interest expense | 291,000 | 559,000 | 791,000 | 1,000,000 |
| Net interest income | 1,516,000 | 3,164,000 | 4,772,000 | 6,414,000 |
| Noninterest income | 289,000 | 514,000 | 791,000 | 1,087,000 |
| Noninterest expense | 1,352,000 | 2,709,000 | 4,073,000 | 5,397,000 |
| Provision for loan losses | 56,000 | 132,000 | 174,000 | 214,000 |
| Pretax income | 426,000 | 897,000 | 1,372,000 | 1,946,000 |
| Income tax | 20,000 | 50,000 | 76,000 | 109,000 |
| Net income | 406,000 | 847,000 | 1,296,000 | 1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,152,000 | 16,429,000 | 16,467,000 | 16,627,000 |
| Total capital | 17,298,000 | 17,645,000 | 17,732,000 | 17,916,000 |
| Risk-weighted assets | 104,426,000 | 105,473,000 | 107,377,000 | 107,977,000 |