Call reports 2003
SPIRIT OF AMERICA NATIONAL BANK — 2003
What SPIRIT OF AMERICA NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 27,857,000 | 28,629,000 | 28,233,000 | 28,068,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 27,442,000 | 28,256,000 | 27,698,000 | 27,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,146,000 | 3,837,000 | 3,903,000 | 2,546,000 |
| Interest-bearing deposits | 5,146,000 | 3,837,000 | 3,903,000 | 2,546,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 21,463,000 | 22,625,000 | 22,391,000 | 23,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 111,000 | 254,000 | 374,000 | 493,000 |
| Interest expense | 16,000 | 32,000 | 43,000 | 56,000 |
| Net interest income | 95,000 | 222,000 | 331,000 | 437,000 |
| Noninterest income | 1,189,000 | 4,344,000 | 7,454,000 | 10,925,000 |
| Noninterest expense | 270,000 | 698,000 | 1,388,000 | 2,024,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,014,000 | 3,868,000 | 6,397,000 | 9,338,000 |
| Income tax | 355,000 | 1,354,000 | 2,239,000 | 3,268,000 |
| Net income | 659,000 | 2,514,000 | 4,158,000 | 6,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,451,000 | 22,647,000 | 22,436,000 | 23,456,000 |
| Total capital | 21,451,000 | 22,647,000 | 22,436,000 | 23,456,000 |
| Risk-weighted assets | 5,634,000 | 5,788,000 | 5,682,000 | 5,684,000 |
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