Call reports 2002
SPIRITBANK — 2002
What SPIRITBANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 442,577,000 | 450,605,000 | 481,749,000 | 494,548,000 |
| Total loans | 287,159,000 | 288,693,000 | 335,392,000 | 360,798,000 |
| Allowance for loan losses | 3,213,000 | 2,829,000 | 2,924,000 | 3,075,000 |
| Securities available for sale | 109,948,000 | 117,199,000 | 95,358,000 | 94,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,810,000 | 348,440,000 | 371,791,000 | 376,491,000 |
| Interest-bearing deposits | 280,281,000 | 282,339,000 | 312,204,000 | 307,239,000 |
| Noninterest-bearing deposits | 63,529,000 | 66,101,000 | 59,587,000 | 69,252,000 |
| Equity capital | 28,040,000 | 29,994,000 | 32,278,000 | 36,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,303,000 | 14,679,000 | 22,518,000 | 30,655,000 |
| Interest expense | 2,856,000 | 5,612,000 | 8,586,000 | 11,231,000 |
| Net interest income | 4,447,000 | 9,067,000 | 13,932,000 | 19,424,000 |
| Noninterest income | 1,499,000 | 3,415,000 | 5,536,000 | 7,720,000 |
| Noninterest expense | 4,444,000 | 9,293,000 | 14,467,000 | 20,443,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,375,000 | 2,027,000 |
| Pretax income | 1,052,000 | 2,425,000 | 3,950,000 | 5,118,000 |
| Income tax | 353,000 | 835,000 | 1,325,000 | 1,621,000 |
| Net income | 699,000 | 1,590,000 | 2,625,000 | 3,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,713,000 | 27,589,000 | 28,960,000 | 32,832,000 |
| Total capital | 37,176,000 | 37,668,000 | 39,134,000 | 43,157,000 |
| Risk-weighted assets | 301,889,000 | 307,537,000 | 322,702,000 | 344,293,000 |