Call reports 2003
SPIRIT BANK — 2003
What SPIRIT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 19,428,000 | 19,475,000 | 19,297,000 | 19,638,000 |
| Total loans | 9,536,000 | 9,368,000 | 9,246,000 | 8,976,000 |
| Allowance for loan losses | 200,000 | 198,000 | 195,000 | 196,000 |
| Securities available for sale | 7,204,000 | 6,568,000 | 7,719,000 | 8,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,990,000 | 14,937,000 | 14,737,000 | 15,191,000 |
| Interest-bearing deposits | 13,075,000 | 13,427,000 | 13,181,000 | 13,514,000 |
| Noninterest-bearing deposits | 1,914,000 | 1,510,000 | 1,556,000 | 1,677,000 |
| Equity capital | 2,340,000 | 2,417,000 | 2,402,000 | 2,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 204,000 | 440,000 | 672,000 | 898,000 |
| Interest expense | 82,000 | 164,000 | 239,000 | 308,000 |
| Net interest income | 122,000 | 276,000 | 433,000 | 590,000 |
| Noninterest income | 32,000 | 65,000 | 98,000 | 135,000 |
| Noninterest expense | 159,000 | 305,000 | 454,000 | 604,000 |
| Provision for loan losses | 1,000 | 4,000 | 5,000 | 9,000 |
| Pretax income | 16,000 | 70,000 | 109,000 | 149,000 |
| Income tax | 5,000 | 24,000 | 38,000 | 49,000 |
| Net income | 11,000 | 46,000 | 71,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,335,000 | 2,370,000 | 2,386,000 | 2,354,000 |
| Total capital | 2,494,000 | 2,527,000 | 2,549,000 | 2,515,000 |
| Risk-weighted assets | 12,691,000 | 12,489,000 | 13,012,000 | 12,866,000 |