Call reports 2013
SPRING BANK — 2013
What SPRING BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 91,009,000 | 86,305,000 | 94,586,000 | 98,990,000 |
| Total loans | 67,906,000 | 67,566,000 | 73,087,000 | 80,441,000 |
| Allowance for loan losses | 832,000 | 1,339,000 | 1,358,000 | 1,412,000 |
| Securities available for sale | 11,591,000 | 12,335,000 | 14,053,000 | 13,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,860,000 | 74,275,000 | 82,039,000 | 85,666,000 |
| Interest-bearing deposits | 71,608,000 | 66,971,000 | 74,969,000 | 78,263,000 |
| Noninterest-bearing deposits | 8,252,000 | 7,304,000 | 7,070,000 | 7,403,000 |
| Equity capital | 10,429,000 | 11,354,000 | 11,624,000 | 11,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,293,000 | 2,600,000 | 3,966,000 | 5,491,000 |
| Interest expense | 190,000 | 378,000 | 567,000 | 767,000 |
| Net interest income | 1,103,000 | 2,222,000 | 3,399,000 | 4,724,000 |
| Noninterest income | 558,000 | 1,573,000 | 1,882,000 | 2,148,000 |
| Noninterest expense | 1,208,000 | 2,368,000 | 3,522,000 | 4,735,000 |
| Provision for loan losses | 14,000 | 521,000 | 539,000 | 619,000 |
| Pretax income | 439,000 | 906,000 | 1,220,000 | 1,518,000 |
| Income tax | 48,000 | -629,000 | -600,000 | -589,000 |
| Net income | 391,000 | 1,535,000 | 1,820,000 | 2,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,683,000 | 10,825,000 | 11,113,000 | 11,494,000 |
| Total capital | 10,383,000 | 11,530,000 | 11,879,000 | 12,318,000 |
| Risk-weighted assets | 55,903,000 | 55,769,000 | 60,715,000 | 65,285,000 |
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