Call reports 2007
SPIRIT BANK — 2007
What SPIRIT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 21,857,000 | 21,902,000 | 22,560,000 | 21,259,000 |
| Total loans | 10,610,000 | 10,027,000 | 10,177,000 | 10,501,000 |
| Allowance for loan losses | 147,000 | 143,000 | 141,000 | 135,000 |
| Securities available for sale | 6,642,000 | 7,759,000 | 7,301,000 | 7,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,135,000 | 17,040,000 | 17,445,000 | 17,652,000 |
| Interest-bearing deposits | 14,266,000 | 14,293,000 | 14,483,000 | 14,406,000 |
| Noninterest-bearing deposits | 2,869,000 | 2,747,000 | 2,962,000 | 3,246,000 |
| Equity capital | 2,386,000 | 2,356,000 | 2,452,000 | 2,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 327,000 | 671,000 | 1,023,000 | 1,355,000 |
| Interest expense | 166,000 | 332,000 | 511,000 | 673,000 |
| Net interest income | 161,000 | 339,000 | 512,000 | 682,000 |
| Noninterest income | 42,000 | 80,000 | 123,000 | 179,000 |
| Noninterest expense | 166,000 | 325,000 | 489,000 | 698,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 40,000 | 97,000 | 155,000 | 172,000 |
| Income tax | 9,000 | 24,000 | 38,000 | 33,000 |
| Net income | 31,000 | 73,000 | 117,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,402,000 | 2,446,000 | 2,490,000 | 2,423,000 |
| Total capital | 2,549,000 | 2,589,000 | 2,631,000 | 2,558,000 |
| Risk-weighted assets | 12,912,000 | 12,926,000 | 13,546,000 | 13,561,000 |