Call reports 2021
SPIRITBANK — 2021
What SPIRITBANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 719,930,000 | 712,571,000 | 714,714,000 | 730,456,000 |
| Total loans | 610,518,000 | 619,922,000 | 630,167,000 | 637,880,000 |
| Allowance for loan losses | 7,368,000 | 7,783,000 | 7,972,000 | 8,615,000 |
| Securities available for sale | 34,777,000 | 33,597,000 | 40,501,000 | 41,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 621,281,000 | 593,880,000 | 598,061,000 | 614,081,000 |
| Interest-bearing deposits | 437,365,000 | 426,702,000 | 430,963,000 | 442,102,000 |
| Noninterest-bearing deposits | 183,916,000 | 167,178,000 | 167,098,000 | 171,979,000 |
| Equity capital | 75,790,000 | 76,436,000 | 77,682,000 | 81,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 8,430,000 | 15,771,000 | 23,436,000 | 31,165,000 |
| Interest expense | 906,000 | 1,673,000 | 2,373,000 | 3,028,000 |
| Net interest income | 7,524,000 | 14,098,000 | 21,063,000 | 28,137,000 |
| Noninterest income | 673,000 | 1,572,000 | 2,651,000 | 4,127,000 |
| Noninterest expense | 4,866,000 | 10,882,000 | 15,856,000 | 21,342,000 |
| Provision for loan losses | 240,000 | -535,000 | -535,000 | -535,000 |
| Pretax income | 3,091,000 | 5,323,000 | 8,393,000 | 11,457,000 |
| Income tax | 794,000 | 1,364,000 | 2,154,000 | -58,000 |
| Net income | 2,297,000 | 3,959,000 | 6,239,000 | 11,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,713,000 | 71,374,000 | 72,654,000 | 77,618,000 |
| Total capital | 77,855,000 | 78,795,000 | 80,238,000 | 85,208,000 |
| Risk-weighted assets | 571,114,000 | 593,325,000 | 606,320,000 | 606,200,000 |