Call reports 2011
SPRING BANK — 2011
What SPRING 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 | 53,185,000 | 56,490,000 | 57,574,000 | 63,376,000 |
| Total loans | 36,931,000 | 36,862,000 | 40,284,000 | 47,573,000 |
| Allowance for loan losses | 453,000 | 522,000 | 566,000 | 598,000 |
| Securities available for sale | 5,992,000 | 6,780,000 | 6,554,000 | 7,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,756,000 | 48,209,000 | 48,709,000 | 54,658,000 |
| Interest-bearing deposits | 41,633,000 | 43,862,000 | 43,540,000 | 49,965,000 |
| Noninterest-bearing deposits | 4,123,000 | 4,347,000 | 5,169,000 | 4,693,000 |
| Equity capital | 6,991,000 | 7,623,000 | 8,076,000 | 8,066,000 |
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 | 698,000 | 1,518,000 | 2,340,000 | 3,242,000 |
| Interest expense | 158,000 | 338,000 | 517,000 | 685,000 |
| Net interest income | 540,000 | 1,180,000 | 1,823,000 | 2,557,000 |
| Noninterest income | 304,000 | 1,472,000 | 2,281,000 | 2,668,000 |
| Noninterest expense | 992,000 | 2,172,000 | 3,163,000 | 4,231,000 |
| Provision for loan losses | 6,000 | 75,000 | 118,000 | 151,000 |
| Pretax income | -154,000 | 405,000 | 823,000 | 903,000 |
| Income tax | 5,000 | 13,000 | 21,000 | 27,000 |
| Net income | -159,000 | 392,000 | 802,000 | 876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,210,000 | 6,763,000 | 7,148,000 | 7,256,000 |
| Total capital | 6,625,000 | 7,203,000 | 7,619,000 | 7,770,000 |
| Risk-weighted assets | 33,160,000 | 35,150,000 | 37,597,000 | 41,044,000 |
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