Call reports 2023
SPIRITBANK — 2023
What SPIRITBANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 694,318,000 | 711,088,000 | 715,757,000 | 769,664,000 |
| Total loans | 614,944,000 | 614,407,000 | 621,027,000 | 612,119,000 |
| Allowance for loan losses | 9,159,000 | 9,154,000 | 9,660,000 | 9,672,000 |
| Securities available for sale | 45,199,000 | 48,057,000 | 50,054,000 | 63,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 608,551,000 | 625,362,000 | 629,964,000 | 680,072,000 |
| Interest-bearing deposits | 446,169,000 | 464,627,000 | 475,991,000 | 529,377,000 |
| Noninterest-bearing deposits | 162,382,000 | 160,735,000 | 153,973,000 | 150,695,000 |
| Equity capital | 79,027,000 | 78,277,000 | 77,670,000 | 79,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 9,267,000 | 19,010,000 | 29,214,000 | 40,132,000 |
| Interest expense | 2,546,000 | 5,734,000 | 9,334,000 | 13,559,000 |
| Net interest income | 6,721,000 | 13,276,000 | 19,880,000 | 26,573,000 |
| Noninterest income | 551,000 | 1,371,000 | 2,485,000 | 3,189,000 |
| Noninterest expense | 5,151,000 | 10,285,000 | 15,437,000 | 20,551,000 |
| Provision for loan losses | 0 | 0 | 500,000 | 500,000 |
| Pretax income | 2,121,000 | 4,362,000 | 6,428,000 | 8,711,000 |
| Income tax | 547,000 | 1,123,000 | 1,656,000 | 2,246,000 |
| Net income | 1,574,000 | 3,239,000 | 4,772,000 | 6,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,059,000 | 80,550,000 | 80,699,000 | 80,643,000 |
| Total capital | 87,762,000 | 88,371,000 | 88,700,000 | 88,536,000 |
| Risk-weighted assets | 614,772,000 | 624,336,000 | 638,413,000 | 629,656,000 |