Call reports 2002
SPIRIT BANK — 2002
What SPIRIT BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 21,278,000 | 20,797,000 | 20,525,000 | 18,780,000 |
| Total loans | 11,795,000 | 10,869,000 | 10,691,000 | 9,888,000 |
| Allowance for loan losses | 192,000 | 191,000 | 200,000 | 206,000 |
| Securities available for sale | 7,243,000 | 6,086,000 | 7,433,000 | 5,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,782,000 | 14,242,000 | 13,896,000 | 14,330,000 |
| Interest-bearing deposits | 13,341,000 | 12,565,000 | 12,403,000 | 12,497,000 |
| Noninterest-bearing deposits | 1,441,000 | 1,677,000 | 1,493,000 | 1,833,000 |
| Equity capital | 2,306,000 | 2,381,000 | 2,411,000 | 2,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 324,000 | 644,000 | 953,000 | 1,212,000 |
| Interest expense | 151,000 | 293,000 | 425,000 | 537,000 |
| Net interest income | 173,000 | 351,000 | 528,000 | 675,000 |
| Noninterest income | 31,000 | 67,000 | 100,000 | 139,000 |
| Noninterest expense | 139,000 | 293,000 | 431,000 | 585,000 |
| Provision for loan losses | 9,000 | 17,000 | 30,000 | 41,000 |
| Pretax income | 55,000 | 104,000 | 165,000 | 212,000 |
| Income tax | 19,000 | 35,000 | 60,000 | 69,000 |
| Net income | 36,000 | 69,000 | 105,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,317,000 | 2,350,000 | 2,386,000 | 2,324,000 |
| Total capital | 2,490,000 | 2,519,000 | 2,528,000 | 2,472,000 |
| Risk-weighted assets | 13,847,000 | 13,448,000 | 11,336,000 | 11,813,000 |