Call reports 2001
SPIRITBANK — 2001
What SPIRITBANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 401,325,000 | 420,727,000 | 430,184,000 | 443,553,000 |
| Total loans | 263,770,000 | 292,481,000 | 293,488,000 | 292,732,000 |
| Allowance for loan losses | 2,016,000 | 1,871,000 | 2,942,000 | 2,850,000 |
| Securities available for sale | 79,138,000 | 79,171,000 | 97,788,000 | 111,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,600,000 | 345,853,000 | 345,634,000 | 337,380,000 |
| Interest-bearing deposits | 271,219,000 | 287,187,000 | 288,158,000 | 274,757,000 |
| Noninterest-bearing deposits | 55,381,000 | 58,666,000 | 57,476,000 | 62,623,000 |
| Equity capital | 29,720,000 | 30,401,000 | 31,394,000 | 28,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 8,309,000 | 17,170,000 | 25,876,000 | 34,238,000 |
| Interest expense | 3,927,000 | 7,880,000 | 11,593,000 | 14,955,000 |
| Net interest income | 4,382,000 | 9,290,000 | 14,283,000 | 19,283,000 |
| Noninterest income | 872,000 | 1,817,000 | 2,871,000 | 3,806,000 |
| Noninterest expense | 3,863,000 | 8,157,000 | 12,396,000 | 17,082,000 |
| Provision for loan losses | 351,000 | 702,000 | 2,014,000 | 2,765,000 |
| Pretax income | 1,040,000 | 2,253,000 | 2,746,000 | 3,244,000 |
| Income tax | 391,000 | 849,000 | 1,123,000 | 1,452,000 |
| Net income | 649,000 | 1,404,000 | 1,623,000 | 1,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,079,000 | 28,834,000 | 29,053,000 | 26,498,000 |
| Total capital | 30,095,000 | 30,705,000 | 39,245,000 | 36,598,000 |
| Risk-weighted assets | 285,074,000 | 299,934,000 | 303,130,000 | 303,819,000 |