Call reports 2005
SPIRIT OF AMERICA NATIONAL BANK — 2005
What SPIRIT OF AMERICA NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 34,500,000 | 32,490,000 | 33,238,000 | 27,330,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 32,111,000 | 31,784,000 | 32,586,000 | 26,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,397,000 | 4,718,000 | 6,046,000 | 2,727,000 |
| Interest-bearing deposits | 6,397,000 | 4,718,000 | 6,046,000 | 2,727,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 25,584,000 | 24,717,000 | 24,630,000 | 22,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 134,000 | 354,000 | 611,000 | 899,000 |
| Interest expense | 21,000 | 56,000 | 106,000 | 148,000 |
| Net interest income | 113,000 | 298,000 | 505,000 | 751,000 |
| Noninterest income | 4,736,000 | 9,067,000 | 13,199,000 | 17,691,000 |
| Noninterest expense | 674,000 | 1,437,000 | 2,161,000 | 3,134,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,175,000 | 7,928,000 | 11,543,000 | 15,308,000 |
| Income tax | 1,461,000 | 2,775,000 | 4,040,000 | 5,358,000 |
| Net income | 2,714,000 | 5,153,000 | 7,503,000 | 9,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,584,000 | 24,718,000 | 24,629,000 | 22,461,000 |
| Total capital | 25,584,000 | 24,718,000 | 24,629,000 | 22,461,000 |
| Risk-weighted assets | 3,842,000 | 2,300,000 | 2,357,000 | 1,169,000 |
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