Call reports 2022
SPIRITBANK — 2022
What SPIRITBANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 736,203,000 | 748,004,000 | 723,327,000 | 698,929,000 |
| Total loans | 625,703,000 | 607,547,000 | 649,364,000 | 629,970,000 |
| Allowance for loan losses | 8,757,000 | 8,788,000 | 8,814,000 | 9,155,000 |
| Securities available for sale | 41,672,000 | 47,255,000 | 45,520,000 | 39,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 631,206,000 | 655,895,000 | 635,148,000 | 609,289,000 |
| Interest-bearing deposits | 467,808,000 | 480,923,000 | 453,552,000 | 439,587,000 |
| Noninterest-bearing deposits | 163,398,000 | 174,972,000 | 181,596,000 | 169,702,000 |
| Equity capital | 76,169,000 | 76,138,000 | 76,759,000 | 78,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 7,682,000 | 15,681,000 | 24,328,000 | 33,188,000 |
| Interest expense | 600,000 | 1,272,000 | 2,263,000 | 3,970,000 |
| Net interest income | 7,082,000 | 14,409,000 | 22,065,000 | 29,218,000 |
| Noninterest income | 1,359,000 | 2,023,000 | 2,857,000 | 3,374,000 |
| Noninterest expense | 5,220,000 | 10,512,000 | 15,649,000 | 20,697,000 |
| Provision for loan losses | 0 | 0 | 0 | 325,000 |
| Pretax income | 3,221,000 | 5,920,000 | 9,273,000 | 11,570,000 |
| Income tax | 829,000 | 1,524,000 | 2,389,000 | 2,029,000 |
| Net income | 2,392,000 | 4,396,000 | 6,884,000 | 9,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,861,000 | 76,037,000 | 78,390,000 | 79,688,000 |
| Total capital | 81,461,000 | 83,614,000 | 86,598,000 | 87,615,000 |
| Risk-weighted assets | 606,849,000 | 604,922,000 | 656,018,000 | 632,913,000 |