Call reports 2005
SPIRITBANK — 2005
What SPIRITBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 656,582,000 | 724,682,000 | 786,907,000 | 870,998,000 |
| Total loans | 509,968,000 | 576,619,000 | 634,241,000 | 647,549,000 |
| Allowance for loan losses | 4,205,000 | 4,362,000 | 4,935,000 | 5,619,000 |
| Securities available for sale | 87,875,000 | 85,931,000 | 84,860,000 | 88,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 485,997,000 | 525,433,000 | 588,641,000 | 717,218,000 |
| Interest-bearing deposits | 385,106,000 | 414,075,000 | 454,873,000 | 591,847,000 |
| Noninterest-bearing deposits | 100,891,000 | 111,358,000 | 133,768,000 | 125,371,000 |
| Equity capital | 48,263,000 | 50,956,000 | 56,893,000 | 58,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,566,000 | 20,336,000 | 32,677,000 | 47,563,000 |
| Interest expense | 2,998,000 | 6,593,000 | 11,385,000 | 16,648,000 |
| Net interest income | 6,568,000 | 13,743,000 | 21,292,000 | 30,915,000 |
| Noninterest income | 2,690,000 | 6,405,000 | 10,721,000 | 13,166,000 |
| Noninterest expense | 6,713,000 | 14,352,000 | 22,597,000 | 31,216,000 |
| Provision for loan losses | 465,000 | 970,000 | 1,890,000 | 2,990,000 |
| Pretax income | 2,080,000 | 4,826,000 | 7,526,000 | 9,875,000 |
| Income tax | 683,000 | 1,613,000 | 2,257,000 | 2,850,000 |
| Net income | 1,397,000 | 3,213,000 | 5,269,000 | 7,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,065,000 | 49,631,000 | 55,687,000 | 57,538,000 |
| Total capital | 56,270,000 | 58,993,000 | 66,472,000 | 70,507,000 |
| Risk-weighted assets | 525,160,000 | 588,773,000 | 650,419,000 | 663,676,000 |