Call reports 2011
SPIRIT BANK — 2011
What SPIRIT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 25,687,000 | 25,594,000 | 25,580,000 | 26,067,000 |
| Total loans | 12,253,000 | 11,939,000 | 10,498,000 | 10,468,000 |
| Allowance for loan losses | 157,000 | 154,000 | 138,000 | 138,000 |
| Securities available for sale | 7,117,000 | 8,119,000 | 9,395,000 | 10,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,518,000 | 22,323,000 | 22,205,000 | 22,745,000 |
| Interest-bearing deposits | 18,372,000 | 18,087,000 | 18,046,000 | 18,582,000 |
| Noninterest-bearing deposits | 4,146,000 | 4,236,000 | 4,159,000 | 4,163,000 |
| Equity capital | 2,224,000 | 2,332,000 | 2,413,000 | 2,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 267,000 | 545,000 | 794,000 | 1,031,000 |
| Interest expense | 77,000 | 152,000 | 225,000 | 286,000 |
| Net interest income | 190,000 | 393,000 | 569,000 | 745,000 |
| Noninterest income | 35,000 | 79,000 | 121,000 | 163,000 |
| Noninterest expense | 194,000 | 402,000 | 602,000 | 788,000 |
| Provision for loan losses | 37,000 | 37,000 | 21,000 | 21,000 |
| Pretax income | -6,000 | 30,000 | 64,000 | 133,000 |
| Income tax | -10,000 | -7,000 | -3,000 | 14,000 |
| Net income | 4,000 | 37,000 | 67,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,244,000 | 2,278,000 | 2,309,000 | 2,363,000 |
| Total capital | 2,401,000 | 2,432,000 | 2,447,000 | 2,501,000 |
| Risk-weighted assets | 14,422,000 | 15,435,000 | 13,186,000 | 13,423,000 |