Call reports 2019
SPIRITBANK — 2019
What SPIRITBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 643,230,000 | 653,482,000 | 624,527,000 | 631,902,000 |
| Total loans | 486,448,000 | 479,691,000 | 477,402,000 | 508,263,000 |
| Allowance for loan losses | 7,662,000 | 6,140,000 | 6,341,000 | 6,136,000 |
| Securities available for sale | 60,452,000 | 62,928,000 | 65,303,000 | 66,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 555,285,000 | 564,558,000 | 534,447,000 | 541,394,000 |
| Interest-bearing deposits | 440,347,000 | 446,880,000 | 414,650,000 | 428,220,000 |
| Noninterest-bearing deposits | 114,938,000 | 117,678,000 | 119,797,000 | 113,174,000 |
| Equity capital | 71,449,000 | 72,433,000 | 73,843,000 | 74,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,821,000 | 14,078,000 | 21,552,000 | 28,975,000 |
| Interest expense | 2,034,000 | 4,282,000 | 6,565,000 | 8,526,000 |
| Net interest income | 4,787,000 | 9,796,000 | 14,987,000 | 20,449,000 |
| Noninterest income | 1,202,000 | 2,181,000 | 2,959,000 | 3,905,000 |
| Noninterest expense | 5,122,000 | 12,080,000 | 17,069,000 | 21,882,000 |
| Provision for loan losses | 0 | -1,640,000 | -2,540,000 | -2,415,000 |
| Pretax income | 867,000 | 1,537,000 | 3,417,000 | 4,887,000 |
| Income tax | 220,000 | 391,000 | 871,000 | 1,246,000 |
| Net income | 647,000 | 1,146,000 | 2,546,000 | 3,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,386,000 | 67,885,000 | 66,839,000 | 67,934,000 |
| Total capital | 74,486,000 | 74,025,000 | 73,180,000 | 74,070,000 |
| Risk-weighted assets | 566,740,000 | 538,263,000 | 525,599,000 | 560,332,000 |