Call reports 2012
SPRING BANK — 2012
What SPRING BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 142,984,000 | 153,630,000 | 159,564,000 | 163,907,000 |
| Total loans | 108,829,000 | 115,039,000 | 123,418,000 | 129,793,000 |
| Allowance for loan losses | 1,873,000 | 2,003,000 | 2,092,000 | 2,563,000 |
| Securities available for sale | 11,776,000 | 12,257,000 | 10,456,000 | 8,922,000 |
| Securities held to maturity | 3,228,000 | 3,915,000 | 3,578,000 | 3,527,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,314,000 | 135,507,000 | 140,786,000 | 143,688,000 |
| Interest-bearing deposits | 116,871,000 | 126,597,000 | 131,203,000 | 134,367,000 |
| Noninterest-bearing deposits | 8,443,000 | 8,910,000 | 9,583,000 | 9,321,000 |
| Equity capital | 17,276,000 | 17,683,000 | 18,308,000 | 18,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,645,000 | 3,394,000 | 5,264,000 | 7,197,000 |
| Interest expense | 358,000 | 723,000 | 1,094,000 | 1,463,000 |
| Net interest income | 1,287,000 | 2,671,000 | 4,170,000 | 5,734,000 |
| Noninterest income | -13,000 | 33,000 | 106,000 | 165,000 |
| Noninterest expense | 644,000 | 1,297,000 | 1,959,000 | 2,658,000 |
| Provision for loan losses | 95,000 | 225,000 | 390,000 | 990,000 |
| Pretax income | 535,000 | 1,182,000 | 1,927,000 | 2,265,000 |
| Income tax | 201,000 | 445,000 | 731,000 | 852,000 |
| Net income | 334,000 | 737,000 | 1,196,000 | 1,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,195,000 | 17,636,000 | 18,216,000 | 18,502,000 |
| Total capital | 18,580,000 | 19,114,000 | 19,794,000 | 20,173,000 |
| Risk-weighted assets | 110,275,000 | 117,731,000 | 125,687,000 | 132,755,000 |