Call reports 2010
SPIRITBANK — 2010
What SPIRITBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,271,117,000 | 1,356,926,000 | 1,473,103,000 | 1,329,719,000 |
| Total loans | 1,066,364,000 | 1,130,914,000 | 1,135,875,000 | 1,119,353,000 |
| Allowance for loan losses | 21,700,000 | 17,831,000 | 16,420,000 | 21,496,000 |
| Securities available for sale | 79,702,000 | 79,062,000 | 66,312,000 | 69,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,029,660,000 | 1,110,361,000 | 1,235,268,000 | 1,091,472,000 |
| Interest-bearing deposits | 852,023,000 | 936,064,000 | 1,058,830,000 | 919,250,000 |
| Noninterest-bearing deposits | 177,637,000 | 174,297,000 | 176,438,000 | 172,222,000 |
| Equity capital | 113,718,000 | 118,560,000 | 121,962,000 | 110,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 16,932,000 | 35,013,000 | 52,900,000 | 71,075,000 |
| Interest expense | 4,214,000 | 7,922,000 | 12,233,000 | 16,306,000 |
| Net interest income | 12,718,000 | 27,091,000 | 40,667,000 | 54,769,000 |
| Noninterest income | 5,569,000 | 12,153,000 | 18,551,000 | 23,051,000 |
| Noninterest expense | 14,887,000 | 29,564,000 | 45,111,000 | 66,493,000 |
| Provision for loan losses | 5,009,000 | 10,509,000 | 16,000,000 | 26,000,000 |
| Pretax income | -919,000 | -137,000 | -857,000 | -13,637,000 |
| Income tax | -492,000 | -464,000 | -937,000 | -3,607,000 |
| Net income | -428,000 | 340,000 | 101,000 | -9,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,436,000 | 114,955,000 | 118,465,000 | 106,865,000 |
| Total capital | 128,957,000 | 133,737,000 | 136,710,000 | 123,393,000 |
| Risk-weighted assets | 1,073,059,000 | 1,090,436,000 | 1,103,616,000 | 1,037,040,000 |