Call reports 2010
SPIRIT BANK — 2010
What SPIRIT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 23,616,000 | 23,155,000 | 24,045,000 | 24,053,000 |
| Total loans | 11,992,000 | 11,818,000 | 12,218,000 | 12,777,000 |
| Allowance for loan losses | 125,000 | 123,000 | 126,000 | 120,000 |
| Securities available for sale | 5,800,000 | 6,386,000 | 5,659,000 | 5,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,417,000 | 19,914,000 | 20,815,000 | 20,914,000 |
| Interest-bearing deposits | 16,622,000 | 16,348,000 | 16,565,000 | 16,528,000 |
| Noninterest-bearing deposits | 3,795,000 | 3,566,000 | 4,250,000 | 4,386,000 |
| Equity capital | 2,191,000 | 2,224,000 | 2,239,000 | 2,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 275,000 | 548,000 | 821,000 | 1,092,000 |
| Interest expense | 87,000 | 172,000 | 253,000 | 332,000 |
| Net interest income | 188,000 | 376,000 | 568,000 | 760,000 |
| Noninterest income | 43,000 | 86,000 | 129,000 | 170,000 |
| Noninterest expense | 213,000 | 402,000 | 606,000 | 813,000 |
| Provision for loan losses | 16,000 | 86,000 | 99,000 | 99,000 |
| Pretax income | -18,000 | -45,000 | -52,000 | -64,000 |
| Income tax | -13,000 | -22,000 | -39,000 | -68,000 |
| Net income | -5,000 | -23,000 | -13,000 | 4,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,227,000 | 2,211,000 | 2,221,000 | 2,240,000 |
| Total capital | 2,352,000 | 2,334,000 | 2,347,000 | 2,360,000 |
| Risk-weighted assets | 14,850,000 | 14,981,000 | 14,650,000 | 15,251,000 |