Call reports 2013
SPIRITBANK — 2013
What SPIRITBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 924,429,000 | 862,562,000 | 804,708,000 | 809,899,000 |
| Total loans | 624,875,000 | 665,461,000 | 641,857,000 | 609,799,000 |
| Allowance for loan losses | 23,931,000 | 22,351,000 | 21,749,000 | 15,590,000 |
| Securities available for sale | 44,735,000 | 30,133,000 | 36,850,000 | 34,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 778,548,000 | 728,920,000 | 670,139,000 | 682,199,000 |
| Interest-bearing deposits | 555,479,000 | 497,463,000 | 431,362,000 | 461,388,000 |
| Noninterest-bearing deposits | 223,069,000 | 231,457,000 | 238,777,000 | 220,811,000 |
| Equity capital | 80,728,000 | 79,442,000 | 83,278,000 | 83,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 10,057,000 | 18,766,000 | 28,613,000 | 38,357,000 |
| Interest expense | 1,390,000 | 2,670,000 | 3,727,000 | 4,674,000 |
| Net interest income | 8,667,000 | 16,096,000 | 24,886,000 | 33,683,000 |
| Noninterest income | 9,279,000 | 20,427,000 | 31,444,000 | 35,181,000 |
| Noninterest expense | 17,652,000 | 37,006,000 | 52,555,000 | 66,020,000 |
| Provision for loan losses | 2,098,000 | 2,138,000 | 2,381,000 | 717,000 |
| Pretax income | -1,804,000 | -2,612,000 | 1,403,000 | 2,136,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,804,000 | -2,612,000 | 1,403,000 | 2,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,342,000 | 61,504,000 | 65,301,000 | 66,247,000 |
| Total capital | 72,583,000 | 70,391,000 | 73,471,000 | 74,868,000 |
| Risk-weighted assets | 618,554,000 | 591,421,000 | 575,168,000 | 617,881,000 |
Machine access — free, no API key
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