Call reports 2021
COMMUNITY SPIRIT BANK — 2021
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 173,753,000 | 174,460,000 | 176,435,000 | 181,978,000 |
| Total loans | 107,300,000 | 105,491,000 | 107,384,000 | 108,713,000 |
| Allowance for loan losses | 1,338,000 | 1,351,000 | 1,356,000 | 1,400,000 |
| Securities available for sale | 31,238,000 | 36,715,000 | 42,805,000 | 43,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,071,000 | 153,606,000 | 155,128,000 | 161,191,000 |
| Interest-bearing deposits | 111,474,000 | 113,501,000 | 115,239,000 | 119,396,000 |
| Noninterest-bearing deposits | 41,597,000 | 40,105,000 | 39,889,000 | 41,795,000 |
| Equity capital | 17,220,000 | 17,400,000 | 17,746,000 | 17,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,783,000 | 3,627,000 | 5,503,000 | 7,255,000 |
| Interest expense | 183,000 | 357,000 | 528,000 | 686,000 |
| Net interest income | 1,600,000 | 3,270,000 | 4,975,000 | 6,569,000 |
| Noninterest income | 249,000 | 541,000 | 1,026,000 | 1,366,000 |
| Noninterest expense | 1,356,000 | 2,763,000 | 4,169,000 | 5,532,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 130,000 |
| Pretax income | 493,000 | 1,037,000 | 1,776,000 | 2,307,000 |
| Income tax | 31,000 | 66,000 | 102,000 | 110,000 |
| Net income | 462,000 | 971,000 | 1,674,000 | 2,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,872,000 | 16,919,000 | 17,374,000 | 17,551,000 |