Call reports 2025
SPIRITBANK — 2025
What SPIRITBANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 827,651,000 | 890,574,000 | 937,465,000 | 936,317,000 |
| Total loans | 595,156,000 | 600,559,000 | 597,907,000 | 612,973,000 |
| Allowance for loan losses | 7,549,000 | 7,955,000 | 7,427,000 | 7,776,000 |
| Securities available for sale | 99,543,000 | 104,795,000 | 114,260,000 | 119,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 737,991,000 | 799,976,000 | 844,340,000 | 843,251,000 |
| Interest-bearing deposits | 594,612,000 | 653,167,000 | 698,034,000 | 685,367,000 |
| Noninterest-bearing deposits | 143,379,000 | 146,809,000 | 146,306,000 | 157,884,000 |
| Equity capital | 81,104,000 | 81,233,000 | 82,225,000 | 84,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,631,000 | 24,477,000 | 38,326,000 | 52,441,000 |
| Interest expense | 4,501,000 | 9,937,000 | 15,728,000 | 21,513,000 |
| Net interest income | 7,130,000 | 14,540,000 | 22,598,000 | 30,928,000 |
| Noninterest income | 560,000 | 3,800,000 | 4,041,000 | 4,489,000 |
| Noninterest expense | 5,238,000 | 10,565,000 | 15,975,000 | 21,326,000 |
| Provision for loan losses | 0 | 450,000 | 450,000 | 450,000 |
| Pretax income | 2,452,000 | 7,225,000 | 10,114,000 | 13,541,000 |
| Income tax | 624,000 | 1,855,000 | 2,599,000 | 1,748,000 |
| Net income | 1,828,000 | 5,370,000 | 7,515,000 | 11,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,909,000 | 81,951,000 | 82,096,000 | 84,373,000 |
| Total capital | 89,695,000 | 89,765,000 | 89,756,000 | 92,418,000 |
| Risk-weighted assets | 622,850,000 | 624,675,000 | 612,671,000 | 643,506,000 |