Call reports 2004
SPIRITBANK — 2004
What SPIRITBANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 567,934,000 | 596,900,000 | 585,151,000 | 611,044,000 |
| Total loans | 421,062,000 | 453,037,000 | 452,787,000 | 467,214,000 |
| Allowance for loan losses | 4,594,000 | 4,755,000 | 4,294,000 | 3,814,000 |
| Securities available for sale | 96,462,000 | 92,777,000 | 89,028,000 | 87,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,397,000 | 427,937,000 | 427,171,000 | 458,371,000 |
| Interest-bearing deposits | 313,596,000 | 339,164,000 | 341,417,000 | 359,816,000 |
| Noninterest-bearing deposits | 89,801,000 | 88,773,000 | 85,754,000 | 98,555,000 |
| Equity capital | 45,033,000 | 44,036,000 | 45,929,000 | 47,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,418,000 | 17,300,000 | 26,416,000 | 34,915,000 |
| Interest expense | 2,293,000 | 4,590,000 | 7,024,000 | 9,640,000 |
| Net interest income | 6,125,000 | 12,710,000 | 19,392,000 | 25,275,000 |
| Noninterest income | 2,470,000 | 5,204,000 | 7,963,000 | 10,875,000 |
| Noninterest expense | 6,070,000 | 12,885,000 | 19,810,000 | 26,090,000 |
| Provision for loan losses | 465,000 | 1,130,000 | 1,595,000 | 2,060,000 |
| Pretax income | 2,051,000 | 3,892,000 | 5,943,000 | 7,993,000 |
| Income tax | 698,000 | 1,345,000 | 2,118,000 | 2,614,000 |
| Net income | 1,353,000 | 2,547,000 | 3,825,000 | 5,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,336,000 | 42,738,000 | 43,826,000 | 45,669,000 |
| Total capital | 52,730,000 | 53,293,000 | 53,120,000 | 54,483,000 |
| Risk-weighted assets | 420,868,000 | 451,198,000 | 450,982,000 | 480,238,000 |
Machine access — free, no API key
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