Call reports 2018
SPRING BANK — 2018
What SPRING BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 180,695,000 | 178,808,000 | 177,031,000 | 182,045,000 |
| Total loans | 144,308,000 | 140,455,000 | 139,654,000 | 144,118,000 |
| Allowance for loan losses | 1,509,000 | 1,503,000 | 1,480,000 | 1,450,000 |
| Securities available for sale | 23,592,000 | 25,301,000 | 26,892,000 | 28,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,265,000 | 156,257,000 | 154,134,000 | 158,807,000 |
| Interest-bearing deposits | 136,184,000 | 131,646,000 | 126,818,000 | 129,814,000 |
| Noninterest-bearing deposits | 22,081,000 | 24,611,000 | 27,316,000 | 28,993,000 |
| Equity capital | 21,716,000 | 21,970,000 | 22,275,000 | 22,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,860,000 | 5,633,000 | 8,365,000 | 11,365,000 |
| Interest expense | 489,000 | 1,016,000 | 1,552,000 | 2,155,000 |
| Net interest income | 2,371,000 | 4,617,000 | 6,813,000 | 9,210,000 |
| Noninterest income | 156,000 | 237,000 | 551,000 | 565,000 |
| Noninterest expense | 1,387,000 | 2,796,000 | 4,231,000 | 5,771,000 |
| Provision for loan losses | 7,000 | 7,000 | 7,000 | 7,000 |
| Pretax income | 1,133,000 | 2,051,000 | 3,126,000 | 3,997,000 |
| Income tax | 257,000 | 457,000 | 685,000 | 913,000 |
| Net income | 876,000 | 1,594,000 | 2,441,000 | 3,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,176,000 | 22,495,000 | 22,942,000 | 22,951,000 |
| Total capital | 23,685,000 | 23,998,000 | 24,422,000 | 24,401,000 |
| Risk-weighted assets | 128,120,000 | 123,732,000 | 125,868,000 | 125,792,000 |
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