Call reports 2012
SPIRITBANK — 2012
What SPIRITBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,253,067,000 | 1,066,813,000 | 970,690,000 | 987,053,000 |
| Total loans | 966,252,000 | 899,933,000 | 806,681,000 | 812,880,000 |
| Allowance for loan losses | 27,545,000 | 28,559,000 | 23,745,000 | 25,633,000 |
| Securities available for sale | 41,809,000 | 36,587,000 | 35,102,000 | 43,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,034,348,000 | 878,857,000 | 782,804,000 | 815,107,000 |
| Interest-bearing deposits | 792,092,000 | 654,783,000 | 546,025,000 | 573,338,000 |
| Noninterest-bearing deposits | 242,256,000 | 224,074,000 | 236,779,000 | 241,769,000 |
| Equity capital | 103,144,000 | 96,801,000 | 89,364,000 | 82,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 13,978,000 | 27,749,000 | 40,755,000 | 53,241,000 |
| Interest expense | 2,819,000 | 4,925,000 | 6,689,000 | 9,417,000 |
| Net interest income | 11,159,000 | 22,824,000 | 34,066,000 | 43,824,000 |
| Noninterest income | 7,583,000 | 17,085,000 | 26,539,000 | 38,028,000 |
| Noninterest expense | 18,351,000 | 40,171,000 | 62,595,000 | 84,480,000 |
| Provision for loan losses | 4,965,000 | 12,791,000 | 18,497,000 | 24,485,000 |
| Pretax income | -4,204,000 | -12,665,000 | -20,099,000 | -26,725,000 |
| Income tax | -2,808,000 | -4,785,000 | -4,785,000 | -4,785,000 |
| Net income | -1,396,000 | -7,835,000 | -15,269,000 | -21,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,878,000 | 83,013,000 | 74,747,000 | 65,201,000 |
| Total capital | 107,258,000 | 95,501,000 | 85,204,000 | 75,244,000 |
| Risk-weighted assets | 857,031,000 | 783,794,000 | 717,245,000 | 682,204,000 |