Call reports 2024
COMMUNITY SPIRIT BANK — 2024
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 198,452,000 | 205,250,000 | 207,752,000 | 209,453,000 |
| Total loans | 123,511,000 | 131,101,000 | 132,008,000 | 133,019,000 |
| Allowance for loan losses | 1,541,000 | 1,607,000 | 1,776,000 | 1,765,000 |
| Securities available for sale | 41,184,000 | 41,466,000 | 42,333,000 | 42,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,741,000 | 188,135,000 | 188,930,000 | 192,178,000 |
| Interest-bearing deposits | 130,742,000 | 136,689,000 | 142,069,000 | 146,913,000 |
| Noninterest-bearing deposits | 50,999,000 | 51,446,000 | 46,861,000 | 45,265,000 |
| Equity capital | 14,104,000 | 13,961,000 | 15,758,000 | 14,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,733,000 | 5,563,000 | 8,617,000 | 11,637,000 |
| Interest expense | 876,000 | 1,800,000 | 2,767,000 | 3,700,000 |
| Net interest income | 1,857,000 | 3,763,000 | 5,850,000 | 7,937,000 |
| Noninterest income | 416,000 | 804,000 | 1,643,000 | 2,071,000 |
| Noninterest expense | 1,636,000 | 3,265,000 | 5,091,000 | 6,811,000 |
| Provision for loan losses | 48,000 | 121,000 | 184,000 | 184,000 |
| Pretax income | 589,000 | 1,181,000 | 2,218,000 | 3,013,000 |
| Income tax | 43,000 | 82,000 | 145,000 | 165,000 |
| Net income | 546,000 | 1,099,000 | 2,073,000 | 2,848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,246,000 | 19,287,000 | 19,886,000 | 20,207,000 |