Call reports 2009
SPIRIT BANK — 2009
What SPIRIT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 23,685,000 | 23,395,000 | 23,266,000 | 23,508,000 |
| Total loans | 12,176,000 | 12,609,000 | 13,184,000 | 13,130,000 |
| Allowance for loan losses | 135,000 | 156,000 | 158,000 | 149,000 |
| Securities available for sale | 4,586,000 | 4,623,000 | 5,609,000 | 5,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,384,000 | 20,172,000 | 19,949,000 | 20,289,000 |
| Interest-bearing deposits | 15,183,000 | 16,098,000 | 16,014,000 | 16,538,000 |
| Noninterest-bearing deposits | 4,201,000 | 4,074,000 | 3,935,000 | 3,751,000 |
| Equity capital | 2,239,000 | 2,134,000 | 2,221,000 | 2,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 287,000 | 582,000 | 880,000 | 1,173,000 |
| Interest expense | 106,000 | 212,000 | 311,000 | 406,000 |
| Net interest income | 181,000 | 370,000 | 569,000 | 767,000 |
| Noninterest income | 39,000 | 82,000 | 124,000 | 169,000 |
| Noninterest expense | 207,000 | 433,000 | 643,000 | 854,000 |
| Provision for loan losses | 8,000 | 10,000 | 10,000 | 30,000 |
| Pretax income | 5,000 | -140,000 | -156,000 | -289,000 |
| Income tax | -5,000 | -12,000 | -12,000 | -112,000 |
| Net income | 10,000 | -128,000 | -144,000 | -177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,291,000 | 2,280,000 | 2,264,000 | 2,233,000 |
| Total capital | 2,426,000 | 2,436,000 | 2,422,000 | 2,382,000 |
| Risk-weighted assets | 15,851,000 | 16,350,000 | 15,864,000 | 16,134,000 |