Call reports 2002
SPIRIT OF AMERICA NATIONAL BANK — 2002
What SPIRIT OF AMERICA NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 28,562,000 | 29,607,000 | 29,673,000 | 26,649,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 28,194,000 | 29,206,000 | 29,118,000 | 26,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,797,000 | 6,289,000 | 6,553,000 | 2,720,000 |
| Interest-bearing deposits | 5,797,000 | 6,289,000 | 6,553,000 | 2,720,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 21,728,000 | 21,989,000 | 21,823,000 | 22,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 124,000 | 253,000 | 408,000 | 570,000 |
| Interest expense | 20,000 | 55,000 | 79,000 | 100,000 |
| Net interest income | 104,000 | 198,000 | 329,000 | 470,000 |
| Noninterest income | 1,594,000 | 3,552,000 | 5,303,000 | 7,698,000 |
| Noninterest expense | 271,000 | 485,000 | 799,000 | 1,045,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,427,000 | 3,265,000 | 4,833,000 | 7,123,000 |
| Income tax | 499,000 | 1,143,000 | 1,692,000 | 2,493,000 |
| Net income | 928,000 | 2,122,000 | 3,141,000 | 4,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,719,000 | 21,986,000 | 21,811,000 | 22,279,000 |
| Total capital | 21,719,000 | 21,986,000 | 21,811,000 | 22,279,000 |
| Risk-weighted assets | 5,718,000 | 5,954,000 | 6,088,000 | 5,399,000 |
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