Call reports 2011
SPIRITBANK — 2011
What SPIRITBANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,319,029,000 | 1,263,372,000 | 1,265,107,000 | 1,245,570,000 |
| Total loans | 1,003,895,000 | 1,017,373,000 | 1,061,863,000 | 1,054,252,000 |
| Allowance for loan losses | 14,518,000 | 19,712,000 | 21,677,000 | 26,148,000 |
| Securities available for sale | 64,621,000 | 64,219,000 | 54,343,000 | 47,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,081,695,000 | 1,036,405,000 | 1,025,215,000 | 1,015,487,000 |
| Interest-bearing deposits | 888,136,000 | 831,463,000 | 796,302,000 | 787,096,000 |
| Noninterest-bearing deposits | 193,559,000 | 204,942,000 | 228,913,000 | 228,391,000 |
| Equity capital | 113,564,000 | 111,083,000 | 108,841,000 | 104,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 16,629,000 | 33,501,000 | 49,921,000 | 65,182,000 |
| Interest expense | 3,481,000 | 6,680,000 | 9,753,000 | 12,658,000 |
| Net interest income | 13,148,000 | 26,821,000 | 40,168,000 | 52,524,000 |
| Noninterest income | 4,542,000 | 12,744,000 | 16,762,000 | 24,390,000 |
| Noninterest expense | 13,553,000 | 33,601,000 | 48,302,000 | 66,261,000 |
| Provision for loan losses | 300,000 | 7,266,000 | 13,766,000 | 19,850,000 |
| Pretax income | 3,837,000 | -1,167,000 | -5,003,000 | -9,062,000 |
| Income tax | 1,060,000 | -1,006,000 | -2,170,000 | -2,482,000 |
| Net income | 2,787,000 | -142,000 | -2,807,000 | -6,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,652,000 | 105,744,000 | 103,594,000 | 97,992,000 |
| Total capital | 125,622,000 | 121,526,000 | 118,147,000 | 112,087,000 |
| Risk-weighted assets | 998,828,000 | 978,457,000 | 957,897,000 | 916,311,000 |