Call reports 2019
SPRING BANK — 2019
What SPRING BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 187,010,000 | 193,715,000 | 193,202,000 | 193,627,000 |
| Total loans | 145,631,000 | 141,064,000 | 144,745,000 | 146,623,000 |
| Allowance for loan losses | 1,431,000 | 1,417,000 | 1,458,000 | 1,368,000 |
| Securities available for sale | 34,143,000 | 39,707,000 | 37,920,000 | 37,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,109,000 | 168,648,000 | 168,074,000 | 164,586,000 |
| Interest-bearing deposits | 135,316,000 | 141,295,000 | 139,111,000 | 133,488,000 |
| Noninterest-bearing deposits | 26,793,000 | 27,353,000 | 28,963,000 | 31,098,000 |
| Equity capital | 24,050,000 | 24,410,000 | 24,399,000 | 25,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,803,000 | 5,723,000 | 8,703,000 | 11,633,000 |
| Interest expense | 651,000 | 1,357,000 | 2,073,000 | 2,733,000 |
| Net interest income | 2,152,000 | 4,366,000 | 6,630,000 | 8,900,000 |
| Noninterest income | 299,000 | 395,000 | 429,000 | 747,000 |
| Noninterest expense | 1,524,000 | 3,082,000 | 4,626,000 | 6,250,000 |
| Provision for loan losses | -675,000 | -675,000 | -619,000 | -644,000 |
| Pretax income | 1,602,000 | 2,354,000 | 3,052,000 | 4,041,000 |
| Income tax | 353,000 | 525,000 | 696,000 | 890,000 |
| Net income | 1,249,000 | 1,829,000 | 2,356,000 | 3,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,201,000 | 24,181,000 | 24,108,000 | 25,373,000 |
| Total capital | 25,632,000 | 25,598,000 | 25,566,000 | 26,741,000 |
| Risk-weighted assets | 125,385,000 | 123,977,000 | 128,101,000 | 131,594,000 |
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