Call reports 2022
COMMUNITY SPIRIT BANK — 2022
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 180,302,000 | 185,581,000 | 174,980,000 | 182,730,000 |
| Total loans | 107,695,000 | 108,111,000 | 110,575,000 | 113,087,000 |
| Allowance for loan losses | 1,412,000 | 1,417,000 | 1,462,000 | 1,491,000 |
| Securities available for sale | 41,246,000 | 41,288,000 | 40,686,000 | 41,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,671,000 | 169,583,000 | 161,384,000 | 168,079,000 |
| Interest-bearing deposits | 119,704,000 | 117,779,000 | 111,670,000 | 119,169,000 |
| Noninterest-bearing deposits | 42,967,000 | 51,804,000 | 49,714,000 | 48,910,000 |
| Equity capital | 14,566,000 | 12,807,000 | 10,727,000 | 12,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,730,000 | 3,539,000 | 5,440,000 | 7,440,000 |
| Interest expense | 150,000 | 308,000 | 486,000 | 753,000 |
| Net interest income | 1,580,000 | 3,231,000 | 4,954,000 | 6,687,000 |
| Noninterest income | 297,000 | 643,000 | 1,114,000 | 1,490,000 |
| Noninterest expense | 1,434,000 | 2,964,000 | 4,560,000 | 6,157,000 |
| Provision for loan losses | 15,000 | 30,000 | 53,000 | 89,000 |
| Pretax income | 428,000 | 880,000 | 1,455,000 | 1,931,000 |
| Income tax | 25,000 | 54,000 | 94,000 | 97,000 |
| Net income | 403,000 | 826,000 | 1,361,000 | 1,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,698,000 | 17,871,000 | 18,127,000 | 18,307,000 |