Call reports 2006
SPIRIT OF AMERICA NATIONAL BANK — 2006
What SPIRIT OF AMERICA NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 34,351,000 | 33,749,000 | 34,792,000 | 29,370,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 33,697,000 | 33,077,000 | 34,135,000 | 28,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,369,000 | 5,341,000 | 6,965,000 | 3,440,000 |
| Interest-bearing deposits | 8,369,000 | 5,341,000 | 6,965,000 | 3,440,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 24,322,000 | 26,383,000 | 25,925,000 | 23,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 296,000 | 688,000 | 1,090,000 | 1,536,000 |
| Interest expense | 63,000 | 136,000 | 214,000 | 296,000 |
| Net interest income | 233,000 | 552,000 | 876,000 | 1,240,000 |
| Noninterest income | 3,640,000 | 8,509,000 | 12,932,000 | 18,040,000 |
| Noninterest expense | 982,000 | 1,641,000 | 2,564,000 | 3,316,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,891,000 | 7,420,000 | 11,244,000 | 15,964,000 |
| Income tax | 1,031,000 | 2,635,000 | 3,995,000 | 5,661,000 |
| Net income | 1,860,000 | 4,785,000 | 7,249,000 | 10,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,322,000 | 26,383,000 | 25,915,000 | 23,811,000 |
| Total capital | 24,322,000 | 26,383,000 | 25,915,000 | 23,811,000 |
| Risk-weighted assets | 2,559,000 | 2,367,000 | 2,153,000 | 1,079,000 |
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