Call reports 2001
SPIRIT BANK — 2001
What SPIRIT BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 23,130,000 | 22,747,000 | 21,305,000 | 21,472,000 |
| Total loans | 13,060,000 | 13,068,000 | 13,120,000 | 11,766,000 |
| Allowance for loan losses | 174,000 | 178,000 | 205,000 | 203,000 |
| Securities available for sale | 2,974,000 | 3,164,000 | 3,229,000 | 7,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,967,000 | 15,519,000 | 14,736,000 | 14,965,000 |
| Interest-bearing deposits | 14,438,000 | 14,016,000 | 13,267,000 | 13,510,000 |
| Noninterest-bearing deposits | 1,529,000 | 1,503,000 | 1,469,000 | 1,455,000 |
| Equity capital | 2,958,000 | 2,963,000 | 2,265,000 | 2,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 427,000 | 838,000 | 1,236,000 | 1,584,000 |
| Interest expense | 272,000 | 529,000 | 767,000 | 953,000 |
| Net interest income | 155,000 | 309,000 | 469,000 | 631,000 |
| Noninterest income | 14,000 | 37,000 | 55,000 | 87,000 |
| Noninterest expense | 127,000 | 272,000 | 412,000 | 536,000 |
| Provision for loan losses | 22,000 | 45,000 | 61,000 | 61,000 |
| Pretax income | 21,000 | 30,000 | 61,000 | 131,000 |
| Income tax | 7,000 | 9,000 | 20,000 | 45,000 |
| Net income | 14,000 | 21,000 | 41,000 | 86,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,960,000 | 2,963,000 | 2,237,000 | 2,281,000 |
| Total capital | 3,117,000 | 3,120,000 | 2,390,000 | 2,482,000 |
| Risk-weighted assets | 12,552,000 | 12,513,000 | 12,217,000 | 16,053,000 |