Call reports 2025
SPRING BANK — 2025
What SPRING BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 500,108,000 | 516,438,000 | 542,865,000 | 558,136,000 |
| Total loans | 339,522,000 | 341,193,000 | 352,269,000 | 378,668,000 |
| Allowance for loan losses | 4,184,000 | 4,207,000 | 4,199,000 | 4,424,000 |
| Securities available for sale | 100,237,000 | 96,596,000 | 91,360,000 | 90,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,251,000 | 430,236,000 | 458,526,000 | 471,664,000 |
| Interest-bearing deposits | 323,244,000 | 336,953,000 | 362,832,000 | 377,586,000 |
| Noninterest-bearing deposits | 87,007,000 | 93,283,000 | 95,694,000 | 94,078,000 |
| Equity capital | 78,656,000 | 79,213,000 | 82,208,000 | 84,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,419,000 | 16,945,000 | 25,916,000 | 34,944,000 |
| Interest expense | 2,981,000 | 6,136,000 | 9,479,000 | 12,873,000 |
| Net interest income | 5,438,000 | 10,809,000 | 16,437,000 | 22,071,000 |
| Noninterest income | 117,000 | 241,000 | 312,000 | 520,000 |
| Noninterest expense | 2,589,000 | 5,206,000 | 7,830,000 | 10,716,000 |
| Provision for loan losses | 621,000 | 682,000 | 730,000 | 1,011,000 |
| Pretax income | 2,345,000 | 5,156,000 | 8,189,000 | 10,863,000 |
| Income tax | 579,000 | 1,248,000 | 2,087,000 | 2,833,000 |
| Net income | 1,766,000 | 3,908,000 | 6,102,000 | 8,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,362,000 | 84,857,000 | 87,094,000 | 89,022,000 |
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