Call reports 2009
SPIRITBANK — 2009
What SPIRITBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,339,326,000 | 1,454,900,000 | 1,468,881,000 | 1,366,040,000 |
| Total loans | 1,117,195,000 | 1,251,923,000 | 1,211,381,000 | 1,139,715,000 |
| Allowance for loan losses | 14,696,000 | 15,443,000 | 15,452,000 | 16,504,000 |
| Securities available for sale | 114,090,000 | 105,052,000 | 96,194,000 | 92,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 951,851,000 | 1,132,926,000 | 1,215,157,000 | 1,119,676,000 |
| Interest-bearing deposits | 774,460,000 | 966,814,000 | 1,035,643,000 | 929,429,000 |
| Noninterest-bearing deposits | 177,391,000 | 166,112,000 | 179,514,000 | 190,247,000 |
| Equity capital | 115,670,000 | 115,841,000 | 117,984,000 | 114,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 19,330,000 | 39,720,000 | 60,198,000 | 81,028,000 |
| Interest expense | 6,212,000 | 12,016,000 | 18,186,000 | 23,636,000 |
| Net interest income | 13,118,000 | 27,704,000 | 42,012,000 | 57,392,000 |
| Noninterest income | 4,674,000 | 12,783,000 | 18,126,000 | 27,605,000 |
| Noninterest expense | 12,415,000 | 28,972,000 | 41,312,000 | 62,302,000 |
| Provision for loan losses | 3,500,000 | 6,500,000 | 10,000,000 | 16,500,000 |
| Pretax income | 2,066,000 | 5,210,000 | 9,014,000 | 6,828,000 |
| Income tax | 489,000 | 1,323,000 | 2,363,000 | 1,519,000 |
| Net income | 1,580,000 | 3,880,000 | 6,662,000 | 5,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,619,000 | 112,417,000 | 113,701,000 | 110,864,000 |
| Total capital | 130,634,000 | 132,395,000 | 132,716,000 | 129,796,000 |
| Risk-weighted assets | 1,053,959,000 | 1,131,947,000 | 1,111,102,000 | 1,103,850,000 |