Call reports 2005
SPIRIT BANK — 2005
What SPIRIT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 21,157,000 | 20,281,000 | 19,230,000 | 19,316,000 |
| Total loans | 9,994,000 | 10,197,000 | 9,802,000 | 9,734,000 |
| Allowance for loan losses | 167,000 | 168,000 | 160,000 | 160,000 |
| Securities available for sale | 6,960,000 | 6,736,000 | 6,354,000 | 5,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,252,000 | 15,308,000 | 14,237,000 | 14,408,000 |
| Interest-bearing deposits | 13,969,000 | 12,995,000 | 12,159,000 | 12,296,000 |
| Noninterest-bearing deposits | 2,283,000 | 2,313,000 | 2,078,000 | 2,112,000 |
| Equity capital | 2,324,000 | 2,365,000 | 2,380,000 | 2,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 247,000 | 512,000 | 775,000 | 1,039,000 |
| Interest expense | 96,000 | 208,000 | 319,000 | 436,000 |
| Net interest income | 151,000 | 304,000 | 456,000 | 603,000 |
| Noninterest income | 35,000 | 76,000 | 113,000 | 146,000 |
| Noninterest expense | 151,000 | 302,000 | 470,000 | 625,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 35,000 | 78,000 | 99,000 | 112,000 |
| Income tax | 12,000 | 26,000 | 33,000 | 37,000 |
| Net income | 23,000 | 52,000 | 66,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,398,000 | 2,411,000 | 2,427,000 | 2,354,000 |
| Total capital | 2,557,000 | 2,569,000 | 2,574,000 | 2,495,000 |
| Risk-weighted assets | 12,720,000 | 12,633,000 | 11,749,000 | 11,272,000 |