Call reports 2004
SPIRIT BANK — 2004
What SPIRIT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,114,000 | 20,180,000 | 19,501,000 | 20,642,000 |
| Total loans | 9,148,000 | 9,522,000 | 9,439,000 | 9,882,000 |
| Allowance for loan losses | 197,000 | 198,000 | 195,000 | 165,000 |
| Securities available for sale | 8,677,000 | 8,279,000 | 8,374,000 | 7,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,619,000 | 15,710,000 | 15,909,000 | 17,216,000 |
| Interest-bearing deposits | 13,954,000 | 13,564,000 | 13,827,000 | 14,968,000 |
| Noninterest-bearing deposits | 1,665,000 | 2,146,000 | 2,082,000 | 2,248,000 |
| Equity capital | 2,418,000 | 2,361,000 | 2,452,000 | 2,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 226,000 | 455,000 | 694,000 | 930,000 |
| Interest expense | 68,000 | 136,000 | 207,000 | 291,000 |
| Net interest income | 158,000 | 319,000 | 487,000 | 639,000 |
| Noninterest income | 38,000 | 77,000 | 110,000 | 142,000 |
| Noninterest expense | 149,000 | 296,000 | 439,000 | 598,000 |
| Provision for loan losses | 1,000 | 1,000 | 2,000 | 1,000 |
| Pretax income | 43,000 | 84,000 | 141,000 | 166,000 |
| Income tax | 12,000 | 30,000 | 51,000 | 61,000 |
| Net income | 31,000 | 54,000 | 90,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,387,000 | 2,414,000 | 2,455,000 | 2,364,000 |
| Total capital | 2,548,000 | 2,567,000 | 2,601,000 | 2,518,000 |
| Risk-weighted assets | 12,868,000 | 12,235,000 | 12,074,000 | 12,313,000 |