Call reports 2016
SPIRITBANK — 2016
What SPIRITBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 628,267,000 | 766,520,000 | 746,578,000 | 755,030,000 |
| Total loans | 527,269,000 | 657,242,000 | 638,776,000 | 581,879,000 |
| Allowance for loan losses | 6,148,000 | 6,227,000 | 5,933,000 | 7,002,000 |
| Securities available for sale | 35,592,000 | 37,418,000 | 38,849,000 | 52,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 506,441,000 | 514,162,000 | 530,893,000 | 533,995,000 |
| Interest-bearing deposits | 382,168,000 | 389,314,000 | 403,782,000 | 408,185,000 |
| Noninterest-bearing deposits | 124,273,000 | 124,848,000 | 127,111,000 | 125,810,000 |
| Equity capital | 81,463,000 | 82,219,000 | 83,148,000 | 84,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,417,000 | 15,185,000 | 23,640,000 | 34,151,000 |
| Interest expense | 804,000 | 1,650,000 | 2,591,000 | 3,624,000 |
| Net interest income | 6,613,000 | 13,535,000 | 21,049,000 | 30,527,000 |
| Noninterest income | 6,107,000 | 14,775,000 | 22,032,000 | 24,121,000 |
| Noninterest expense | 12,264,000 | 26,835,000 | 40,439,000 | 51,914,000 |
| Provision for loan losses | 0 | 0 | -425,000 | -2,836,000 |
| Pretax income | 456,000 | 1,475,000 | 3,067,000 | 5,570,000 |
| Income tax | 142,000 | 483,000 | 1,017,000 | 1,876,000 |
| Net income | 314,000 | 992,000 | 2,050,000 | 3,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,190,000 | 76,272,000 | 77,911,000 | 81,294,000 |
| Total capital | 81,488,000 | 82,649,000 | 83,844,000 | 88,296,000 |
| Risk-weighted assets | 617,244,000 | 687,011,000 | 666,552,000 | 648,397,000 |