Call reports 2018
SPIRITBANK — 2018
What SPIRITBANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 600,527,000 | 609,448,000 | 647,690,000 | 663,644,000 |
| Total loans | 452,625,000 | 478,190,000 | 496,075,000 | 498,908,000 |
| Allowance for loan losses | 7,108,000 | 6,965,000 | 7,369,000 | 7,663,000 |
| Securities available for sale | 62,059,000 | 62,401,000 | 62,762,000 | 62,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 506,930,000 | 525,219,000 | 562,541,000 | 575,947,000 |
| Interest-bearing deposits | 381,247,000 | 402,758,000 | 451,301,000 | 462,952,000 |
| Noninterest-bearing deposits | 125,683,000 | 122,461,000 | 111,240,000 | 112,995,000 |
| Equity capital | 64,490,000 | 65,975,000 | 66,792,000 | 70,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,264,000 | 12,234,000 | 19,215,000 | 26,185,000 |
| Interest expense | 1,073,000 | 2,258,000 | 3,823,000 | 5,697,000 |
| Net interest income | 5,191,000 | 9,976,000 | 15,392,000 | 20,488,000 |
| Noninterest income | -193,000 | 1,529,000 | 2,744,000 | 3,596,000 |
| Noninterest expense | 5,998,000 | 12,038,000 | 17,391,000 | 22,851,000 |
| Provision for loan losses | -2,050,000 | -3,575,000 | -3,575,000 | -4,725,000 |
| Pretax income | 1,050,000 | 3,042,000 | 4,320,000 | 5,958,000 |
| Income tax | 219,000 | 645,000 | 976,000 | -641,000 |
| Net income | 831,000 | 2,397,000 | 3,344,000 | 6,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,342,000 | 64,525,000 | 63,540,000 | 66,739,000 |
| Total capital | 69,024,000 | 71,490,000 | 70,778,000 | 74,096,000 |
| Risk-weighted assets | 531,993,000 | 566,694,000 | 579,951,000 | 587,808,000 |