Call reports 2014
SPIRITBANK — 2014
What SPIRITBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 857,068,000 | 746,681,000 | 626,752,000 | 667,677,000 |
| Total loans | 553,977,000 | 617,940,000 | 505,479,000 | 548,076,000 |
| Allowance for loan losses | 15,637,000 | 15,731,000 | 15,600,000 | 12,236,000 |
| Securities available for sale | 32,446,000 | 31,864,000 | 32,428,000 | 30,752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 728,574,000 | 519,153,000 | 513,322,000 | 513,593,000 |
| Interest-bearing deposits | 488,870,000 | 388,169,000 | 382,735,000 | 376,104,000 |
| Noninterest-bearing deposits | 239,704,000 | 130,984,000 | 130,587,000 | 137,489,000 |
| Equity capital | 84,275,000 | 93,230,000 | 93,227,000 | 93,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 10,565,000 | 17,077,000 | 26,132,000 | 35,164,000 |
| Interest expense | 862,000 | 1,773,000 | 2,615,000 | 3,305,000 |
| Net interest income | 9,703,000 | 15,304,000 | 23,517,000 | 31,859,000 |
| Noninterest income | 5,631,000 | 33,800,000 | 45,864,000 | 54,428,000 |
| Noninterest expense | 15,170,000 | 36,251,000 | 56,428,000 | 74,503,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,519,000 |
| Pretax income | 164,000 | 12,853,000 | 12,953,000 | 13,449,000 |
| Income tax | 0 | 3,850,000 | 3,949,000 | 4,052,000 |
| Net income | 164,000 | 9,003,000 | 9,004,000 | 9,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,563,000 | 79,763,000 | 81,307,000 | 81,768,000 |
| Total capital | 75,150,000 | 87,640,000 | 87,829,000 | 88,496,000 |
| Risk-weighted assets | 615,143,000 | 585,863,000 | 488,379,000 | 508,444,000 |