Call reports 2010
SPRING BANK — 2010
What SPRING 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 | 33,992,000 | 38,628,000 | 46,287,000 | 49,057,000 |
| Total loans | 18,689,000 | 23,928,000 | 25,977,000 | 30,108,000 |
| Allowance for loan losses | 218,000 | 351,000 | 384,000 | 448,000 |
| Securities available for sale | 3,760,000 | 3,693,000 | 9,752,000 | 6,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,897,000 | 29,998,000 | 35,985,000 | 41,253,000 |
| Interest-bearing deposits | 17,966,000 | 24,760,000 | 31,700,000 | 36,726,000 |
| Noninterest-bearing deposits | 6,931,000 | 5,238,000 | 4,285,000 | 4,527,000 |
| Equity capital | 8,505,000 | 8,020,000 | 7,552,000 | 7,122,000 |
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 | 437,000 | 939,000 | 1,546,000 | 2,177,000 |
| Interest expense | 89,000 | 193,000 | 351,000 | 509,000 |
| Net interest income | 348,000 | 746,000 | 1,195,000 | 1,668,000 |
| Noninterest income | 193,000 | 392,000 | 607,000 | 868,000 |
| Noninterest expense | 906,000 | 1,920,000 | 2,976,000 | 3,996,000 |
| Provision for loan losses | 71,000 | 204,000 | 237,000 | 301,000 |
| Pretax income | -436,000 | -986,000 | -1,411,000 | -1,716,000 |
| Income tax | 0 | 6,000 | 10,000 | 14,000 |
| Net income | -436,000 | -992,000 | -1,421,000 | -1,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,859,000 | 7,306,000 | 6,669,000 | 6,362,000 |
| Total capital | 8,077,000 | 7,644,000 | 7,033,000 | 6,786,000 |
| Risk-weighted assets | 21,854,000 | 27,162,000 | 29,133,000 | 33,918,000 |
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