Call reports 2017
SPIRITBANK — 2017
What SPIRITBANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 724,679,000 | 699,528,000 | 704,233,000 | 670,429,000 |
| Total loans | 533,505,000 | 494,028,000 | 518,172,000 | 490,728,000 |
| Allowance for loan losses | 8,988,000 | 9,031,000 | 8,230,000 | 7,906,000 |
| Securities available for sale | 60,055,000 | 63,779,000 | 61,915,000 | 63,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 556,267,000 | 551,082,000 | 555,173,000 | 543,888,000 |
| Interest-bearing deposits | 429,207,000 | 420,462,000 | 422,938,000 | 408,421,000 |
| Noninterest-bearing deposits | 127,060,000 | 130,620,000 | 132,235,000 | 135,467,000 |
| Equity capital | 67,516,000 | 62,657,000 | 63,729,000 | 64,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,448,000 | 14,773,000 | 22,934,000 | 30,722,000 |
| Interest expense | 1,046,000 | 2,169,000 | 3,361,000 | 4,566,000 |
| Net interest income | 6,402,000 | 12,604,000 | 19,573,000 | 26,156,000 |
| Noninterest income | 2,866,000 | 6,936,000 | 10,947,000 | 13,363,000 |
| Noninterest expense | 6,262,000 | 21,030,000 | 32,218,000 | 41,798,000 |
| Provision for loan losses | 19,617,000 | 19,617,000 | 17,749,000 | 16,080,000 |
| Pretax income | -16,611,000 | -21,107,000 | -19,447,000 | -18,359,000 |
| Income tax | 285,000 | 744,000 | 1,281,000 | 1,627,000 |
| Net income | -16,896,000 | -21,851,000 | -20,728,000 | -19,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,394,000 | 58,645,000 | 60,416,000 | 61,089,000 |
| Total capital | 71,027,000 | 65,638,000 | 67,661,000 | 68,195,000 |
| Risk-weighted assets | 607,638,000 | 554,078,000 | 575,919,000 | 565,251,000 |