Call reports 2015
SPIRITBANK — 2015
What SPIRITBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 725,920,000 | 730,165,000 | 711,508,000 | 659,341,000 |
| Total loans | 609,125,000 | 627,660,000 | 606,413,000 | 561,400,000 |
| Allowance for loan losses | 11,035,000 | 10,179,000 | 8,408,000 | 7,172,000 |
| Securities available for sale | 31,014,000 | 30,547,000 | 28,524,000 | 32,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 521,724,000 | 521,457,000 | 509,504,000 | 504,935,000 |
| Interest-bearing deposits | 388,002,000 | 389,978,000 | 375,420,000 | 376,139,000 |
| Noninterest-bearing deposits | 133,722,000 | 131,479,000 | 134,084,000 | 128,796,000 |
| Equity capital | 94,209,000 | 81,403,000 | 81,683,000 | 80,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,891,000 | 18,479,000 | 26,493,000 | 32,536,000 |
| Interest expense | 666,000 | 1,408,000 | 2,185,000 | 2,972,000 |
| Net interest income | 8,225,000 | 17,071,000 | 24,308,000 | 29,564,000 |
| Noninterest income | 6,825,000 | 14,051,000 | 21,691,000 | 28,813,000 |
| Noninterest expense | 14,794,000 | 29,654,000 | 44,183,000 | 58,979,000 |
| Provision for loan losses | -555,000 | -555,000 | -555,000 | -2,055,000 |
| Pretax income | 811,000 | 2,023,000 | 2,371,000 | 1,478,000 |
| Income tax | 282,000 | 651,000 | 775,000 | 436,000 |
| Net income | 529,000 | 1,372,000 | 1,596,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,501,000 | 74,946,000 | 74,708,000 | 73,486,000 |
| Total capital | 95,981,000 | 83,443,000 | 83,133,000 | 80,808,000 |
| Risk-weighted assets | 647,097,000 | 650,431,000 | 658,260,000 | 641,981,000 |