Call reports 2007
SPIRIT OF AMERICA NATIONAL BANK — 2007
What SPIRIT OF AMERICA NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 40,349,000 | 37,793,000 | 38,164,000 | 33,769,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 39,732,000 | 37,117,000 | 37,500,000 | 33,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,280,000 | 9,175,000 | 10,033,000 | 8,481,000 |
| Interest-bearing deposits | 12,280,000 | 9,175,000 | 10,033,000 | 8,481,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 25,738,000 | 25,786,000 | 25,537,000 | 19,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 413,000 | 892,000 | 1,320,000 | 1,759,000 |
| Interest expense | 97,000 | 249,000 | 385,000 | 607,000 |
| Net interest income | 316,000 | 643,000 | 935,000 | 1,152,000 |
| Noninterest income | 4,383,000 | 10,164,000 | 15,133,000 | 26,837,000 |
| Noninterest expense | 1,024,000 | 1,904,000 | 2,908,000 | 3,822,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,675,000 | 8,903,000 | 13,160,000 | 24,167,000 |
| Income tax | 1,330,000 | 3,204,000 | 4,805,000 | 8,587,000 |
| Net income | 2,345,000 | 5,699,000 | 8,355,000 | 15,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,736,000 | 25,781,000 | 25,524,000 | 19,894,000 |
| Total capital | 25,736,000 | 25,781,000 | 25,524,000 | 19,894,000 |
| Risk-weighted assets | 3,157,000 | 2,879,000 | 2,300,000 | 3,184,000 |
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