Call reports 2014
SPRING BANK — 2014
What SPRING BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 100,604,000 | 103,836,000 | 105,207,000 | 117,234,000 |
| Total loans | 81,579,000 | 86,796,000 | 86,382,000 | 89,047,000 |
| Allowance for loan losses | 1,005,000 | 1,075,000 | 1,095,000 | 1,045,000 |
| Securities available for sale | 12,575,000 | 12,016,000 | 11,185,000 | 10,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,374,000 | 90,233,000 | 90,740,000 | 102,241,000 |
| Interest-bearing deposits | 79,108,000 | 79,649,000 | 79,256,000 | 90,073,000 |
| Noninterest-bearing deposits | 8,266,000 | 10,584,000 | 11,484,000 | 12,168,000 |
| Equity capital | 12,460,000 | 12,989,000 | 13,815,000 | 14,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,497,000 | 3,070,000 | 4,721,000 | 6,221,000 |
| Interest expense | 207,000 | 421,000 | 633,000 | 872,000 |
| Net interest income | 1,290,000 | 2,649,000 | 4,088,000 | 5,349,000 |
| Noninterest income | 590,000 | 715,000 | 1,218,000 | 1,570,000 |
| Noninterest expense | 1,299,000 | 2,255,000 | 3,275,000 | 4,341,000 |
| Provision for loan losses | -32,000 | 30,000 | 30,000 | -17,000 |
| Pretax income | 613,000 | 1,079,000 | 2,001,000 | 2,595,000 |
| Income tax | 56,000 | 104,000 | 193,000 | 254,000 |
| Net income | 557,000 | 975,000 | 1,808,000 | 2,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,529,000 | 12,950,000 | 13,776,000 | 14,320,000 |
| Total capital | 13,364,000 | 13,828,000 | 14,668,000 | 15,257,000 |
| Risk-weighted assets | 66,651,000 | 70,145,000 | 71,254,000 | 74,966,000 |
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