Call reports 2009
SPRING BANK — 2009
What SPRING 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 | 22,890,000 | 21,993,000 | 26,502,000 | 31,103,000 |
| Total loans | 15,567,000 | 15,565,000 | 17,456,000 | 17,352,000 |
| Allowance for loan losses | 159,000 | 193,000 | 340,000 | 146,000 |
| Securities available for sale | 1,833,000 | 1,846,000 | 1,791,000 | 1,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,463,000 | 11,875,000 | 16,852,000 | 21,604,000 |
| Interest-bearing deposits | 10,205,000 | 9,815,000 | 14,552,000 | 16,443,000 |
| Noninterest-bearing deposits | 2,258,000 | 2,060,000 | 2,300,000 | 5,161,000 |
| Equity capital | 10,209,000 | 9,874,000 | 9,237,000 | 8,955,000 |
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 | 358,000 | 749,000 | 1,125,000 | 1,515,000 |
| Interest expense | 41,000 | 87,000 | 146,000 | 221,000 |
| Net interest income | 317,000 | 662,000 | 979,000 | 1,294,000 |
| Noninterest income | 35,000 | 73,000 | 114,000 | 262,000 |
| Noninterest expense | 631,000 | 1,362,000 | 2,238,000 | 3,143,000 |
| Provision for loan losses | 26,000 | 60,000 | 207,000 | 48,000 |
| Pretax income | -305,000 | -687,000 | -1,352,000 | -1,635,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -305,000 | -687,000 | -1,352,000 | -1,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,298,000 | 9,915,000 | 9,251,000 | 8,295,000 |
| Total capital | 10,457,000 | 10,109,000 | 9,496,000 | 8,451,000 |
| Risk-weighted assets | 17,615,000 | 17,390,000 | 19,640,000 | 21,014,000 |
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