Call reports 2023
COMMUNITY SPIRIT BANK — 2023
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 186,461,000 | 206,191,000 | 202,247,000 | 203,154,000 |
| Total loans | 114,722,000 | 117,951,000 | 120,624,000 | 121,926,000 |
| Allowance for loan losses | 1,519,000 | 1,542,000 | 1,553,000 | 1,468,000 |
| Securities available for sale | 41,543,000 | 40,893,000 | 38,899,000 | 41,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,682,000 | 190,251,000 | 187,557,000 | 186,152,000 |
| Interest-bearing deposits | 121,023,000 | 126,737,000 | 137,642,000 | 141,695,000 |
| Noninterest-bearing deposits | 49,659,000 | 63,514,000 | 49,915,000 | 44,457,000 |
| Equity capital | 13,311,000 | 13,009,000 | 11,347,000 | 14,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,097,000 | 4,462,000 | 7,063,000 | 9,778,000 |
| Interest expense | 427,000 | 1,027,000 | 1,779,000 | 2,691,000 |
| Net interest income | 1,670,000 | 3,435,000 | 5,284,000 | 7,087,000 |
| Noninterest income | 345,000 | 695,000 | 1,061,000 | 1,460,000 |
| Noninterest expense | 1,617,000 | 3,276,000 | 4,889,000 | 6,472,000 |
| Provision for loan losses | 32,000 | 60,000 | 96,000 | 255,000 |
| Pretax income | 366,000 | 794,000 | 1,360,000 | 1,820,000 |
| Income tax | 22,000 | 46,000 | 81,000 | 82,000 |
| Net income | 344,000 | 748,000 | 1,279,000 | 1,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,477,000 | 18,549,000 | 18,782,000 | 18,951,000 |