Call reports 2006
SPIRITBANK — 2006
What SPIRITBANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 854,024,000 | 922,008,000 | 935,654,000 | 977,586,000 |
| Total loans | 656,533,000 | 735,459,000 | 742,115,000 | 776,316,000 |
| Allowance for loan losses | 5,483,000 | 5,654,000 | 6,142,000 | 6,473,000 |
| Securities available for sale | 98,503,000 | 98,924,000 | 106,792,000 | 110,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 697,779,000 | 730,987,000 | 768,602,000 | 799,246,000 |
| Interest-bearing deposits | 575,634,000 | 606,282,000 | 652,775,000 | 669,720,000 |
| Noninterest-bearing deposits | 122,145,000 | 124,705,000 | 115,827,000 | 129,526,000 |
| Equity capital | 59,935,000 | 64,231,000 | 66,817,000 | 69,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 14,459,000 | 30,399,000 | 48,276,000 | 67,370,000 |
| Interest expense | 6,258,000 | 13,406,000 | 21,950,000 | 31,205,000 |
| Net interest income | 8,201,000 | 16,993,000 | 26,326,000 | 36,165,000 |
| Noninterest income | 3,208,000 | 6,729,000 | 10,013,000 | 14,540,000 |
| Noninterest expense | 8,124,000 | 16,530,000 | 25,586,000 | 36,038,000 |
| Provision for loan losses | 750,000 | 1,460,000 | 2,150,000 | 2,840,000 |
| Pretax income | 2,535,000 | 5,732,000 | 8,603,000 | 11,380,000 |
| Income tax | 763,000 | 1,791,000 | 2,709,000 | 3,350,000 |
| Net income | 1,772,000 | 3,941,000 | 5,894,000 | 8,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,311,000 | 64,055,000 | 66,008,000 | 68,143,000 |
| Total capital | 72,144,000 | 78,809,000 | 81,350,000 | 83,816,000 |
| Risk-weighted assets | 710,700,000 | 787,047,000 | 807,956,000 | 828,327,000 |