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 | 188,739,000 | 192,946,000 | 197,606,000 | 202,882,000 |
| Total loans | 151,361,000 | 156,307,000 | 160,006,000 | 162,477,000 |
| Allowance for loan losses | 2,583,000 | 2,723,000 | 2,872,000 | 3,095,000 |
| Securities available for sale | 16,604,000 | 16,631,000 | 17,475,000 | 20,199,000 |
| Securities held to maturity | 3,288,000 | 3,283,000 | 3,279,000 | 3,289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,948,000 | 165,555,000 | 168,835,000 | 170,478,000 |
| Interest-bearing deposits | 153,419,000 | 154,770,000 | 157,567,000 | 160,678,000 |
| Noninterest-bearing deposits | 9,529,000 | 10,785,000 | 11,268,000 | 9,800,000 |
| Equity capital | 20,619,000 | 21,016,000 | 21,582,000 | 22,096,000 |
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 | 2,023,000 | 4,166,000 | 6,327,000 | 8,495,000 |
| Interest expense | 353,000 | 716,000 | 1,117,000 | 1,536,000 |
| Net interest income | 1,670,000 | 3,450,000 | 5,210,000 | 6,959,000 |
| Noninterest income | 66,000 | 141,000 | 212,000 | 287,000 |
| Noninterest expense | 800,000 | 1,620,000 | 2,440,000 | 3,307,000 |
| Provision for loan losses | 125,000 | 265,000 | 430,000 | 635,000 |
| Pretax income | 811,000 | 1,706,000 | 2,552,000 | 3,304,000 |
| Income tax | 303,000 | 640,000 | 956,000 | 1,234,000 |
| Net income | 508,000 | 1,066,000 | 1,596,000 | 2,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,663,000 | 20,999,000 | 21,566,000 | 22,057,000 |
| Total capital | 22,544,000 | 22,939,000 | 23,581,000 | 24,096,000 |
| Risk-weighted assets | 149,781,000 | 154,403,000 | 160,366,000 | 162,067,000 |
Machine access — free, no API key
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