Call reports 2006
SPIRIT BANK — 2006
What SPIRIT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 19,270,000 | 19,313,000 | 19,671,000 | 20,441,000 |
| Total loans | 9,219,000 | 9,949,000 | 10,567,000 | 10,841,000 |
| Allowance for loan losses | 161,000 | 160,000 | 161,000 | 161,000 |
| Securities available for sale | 5,330,000 | 5,877,000 | 6,211,000 | 6,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,247,000 | 15,103,000 | 15,279,000 | 15,723,000 |
| Interest-bearing deposits | 12,628,000 | 12,787,000 | 12,990,000 | 13,352,000 |
| Noninterest-bearing deposits | 2,619,000 | 2,316,000 | 2,289,000 | 2,371,000 |
| Equity capital | 2,316,000 | 2,333,000 | 2,400,000 | 2,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 271,000 | 562,000 | 874,000 | 1,197,000 |
| Interest expense | 120,000 | 255,000 | 396,000 | 546,000 |
| Net interest income | 151,000 | 307,000 | 478,000 | 651,000 |
| Noninterest income | 34,000 | 74,000 | 111,000 | 156,000 |
| Noninterest expense | 156,000 | 312,000 | 465,000 | 615,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 29,000 | 69,000 | 124,000 | 193,000 |
| Income tax | 8,000 | 23,000 | 42,000 | 65,000 |
| Net income | 21,000 | 46,000 | 82,000 | 128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,375,000 | 2,400,000 | 2,436,000 | 2,379,000 |
| Total capital | 2,512,000 | 2,545,000 | 2,588,000 | 2,539,000 |
| Risk-weighted assets | 10,943,000 | 11,622,000 | 12,150,000 | 12,783,000 |