Call reports 2008
SPIRITBANK — 2008
What SPIRITBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,255,592,000 | 1,299,202,000 | 1,271,246,000 | 1,265,063,000 |
| Total loans | 1,023,904,000 | 1,048,186,000 | 1,035,631,000 | 1,030,140,000 |
| Allowance for loan losses | 12,231,000 | 12,600,000 | 15,428,000 | 15,439,000 |
| Securities available for sale | 130,153,000 | 133,333,000 | 130,218,000 | 133,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 878,466,000 | 994,793,000 | 975,344,000 | 980,598,000 |
| Interest-bearing deposits | 731,737,000 | 818,421,000 | 813,627,000 | 814,108,000 |
| Noninterest-bearing deposits | 146,729,000 | 176,372,000 | 161,717,000 | 166,490,000 |
| Equity capital | 84,695,000 | 85,520,000 | 91,414,000 | 93,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 20,771,000 | 42,176,000 | 63,298,000 | 82,638,000 |
| Interest expense | 8,664,000 | 16,762,000 | 24,532,000 | 31,709,000 |
| Net interest income | 12,107,000 | 25,414,000 | 38,766,000 | 50,929,000 |
| Noninterest income | 4,166,000 | 9,776,000 | 16,787,000 | 18,798,000 |
| Noninterest expense | 11,695,000 | 25,682,000 | 39,405,000 | 50,568,000 |
| Provision for loan losses | 5,613,000 | 7,114,000 | 11,124,000 | 14,124,000 |
| Pretax income | -982,000 | 2,548,000 | 5,178,000 | 5,189,000 |
| Income tax | -195,000 | 698,000 | 1,122,000 | 1,055,000 |
| Net income | -787,000 | 1,850,000 | 4,056,000 | 4,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,367,000 | 84,505,000 | 89,960,000 | 90,038,000 |
| Total capital | 101,816,000 | 106,265,000 | 107,613,000 | 108,219,000 |
| Risk-weighted assets | 971,858,000 | 1,004,800,000 | 1,015,498,000 | 1,000,400,000 |