Call reports 2003
SPIRITBANK — 2003
What SPIRITBANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 519,820,000 | 570,585,000 | 549,653,000 | 560,393,000 |
| Total loans | 370,068,000 | 402,830,000 | 406,129,000 | 409,772,000 |
| Allowance for loan losses | 3,270,000 | 3,417,000 | 3,813,000 | 4,202,000 |
| Securities available for sale | 100,846,000 | 120,257,000 | 98,051,000 | 105,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,093,000 | 404,170,000 | 403,274,000 | 396,501,000 |
| Interest-bearing deposits | 329,677,000 | 329,510,000 | 319,359,000 | 318,429,000 |
| Noninterest-bearing deposits | 74,416,000 | 74,660,000 | 83,915,000 | 78,072,000 |
| Equity capital | 38,378,000 | 39,562,000 | 41,594,000 | 43,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,920,000 | 16,337,000 | 25,284,000 | 34,308,000 |
| Interest expense | 2,685,000 | 5,360,000 | 7,968,000 | 10,453,000 |
| Net interest income | 5,235,000 | 10,977,000 | 17,316,000 | 23,855,000 |
| Noninterest income | 2,381,000 | 4,841,000 | 7,365,000 | 9,430,000 |
| Noninterest expense | 5,627,000 | 11,453,000 | 17,731,000 | 23,429,000 |
| Provision for loan losses | 450,000 | 975,000 | 1,500,000 | 2,025,000 |
| Pretax income | 1,551,000 | 3,408,000 | 5,469,000 | 7,851,000 |
| Income tax | 482,000 | 1,077,000 | 1,733,000 | 2,601,000 |
| Net income | 1,069,000 | 2,331,000 | 3,736,000 | 5,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,451,000 | 36,663,000 | 39,468,000 | 40,982,000 |
| Total capital | 45,971,000 | 47,330,000 | 50,531,000 | 52,434,000 |
| Risk-weighted assets | 359,815,000 | 386,069,000 | 383,764,000 | 403,023,000 |