Call reports 2007
SPIRITBANK — 2007
What SPIRITBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,008,191,000 | 1,087,372,000 | 1,106,063,000 | 1,136,157,000 |
| Total loans | 801,389,000 | 877,053,000 | 901,252,000 | 928,131,000 |
| Allowance for loan losses | 6,601,000 | 6,068,000 | 6,640,000 | 7,143,000 |
| Securities available for sale | 121,660,000 | 122,246,000 | 119,281,000 | 118,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 791,865,000 | 812,964,000 | 836,760,000 | 814,405,000 |
| Interest-bearing deposits | 661,690,000 | 680,806,000 | 697,755,000 | 666,489,000 |
| Noninterest-bearing deposits | 130,175,000 | 132,158,000 | 139,005,000 | 147,916,000 |
| Equity capital | 69,624,000 | 73,685,000 | 77,140,000 | 79,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 18,540,000 | 38,871,000 | 59,414,000 | 80,140,000 |
| Interest expense | 9,029,000 | 18,765,000 | 29,345,000 | 39,432,000 |
| Net interest income | 9,511,000 | 20,106,000 | 30,069,000 | 40,708,000 |
| Noninterest income | 3,831,000 | 8,692,000 | 13,969,000 | 19,565,000 |
| Noninterest expense | 9,531,000 | 20,502,000 | 30,416,000 | 42,942,000 |
| Provision for loan losses | 750,000 | 1,750,000 | 3,500,000 | 4,750,000 |
| Pretax income | 3,061,000 | 6,546,000 | 10,123,000 | 12,582,000 |
| Income tax | 1,028,000 | 2,115,000 | 3,213,000 | 3,571,000 |
| Net income | 2,033,000 | 4,431,000 | 6,910,000 | 9,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,176,000 | 73,574,000 | 76,054,000 | 77,154,000 |
| Total capital | 83,977,000 | 88,842,000 | 91,794,000 | 93,397,000 |
| Risk-weighted assets | 826,745,000 | 871,759,000 | 884,382,000 | 892,937,000 |