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 | 398,446,000 | 417,410,000 | 428,556,000 | 433,773,000 |
| Total loans | 332,255,000 | 355,655,000 | 357,102,000 | 371,692,000 |
| Allowance for loan losses | 4,650,000 | 4,831,000 | 4,856,000 | 5,056,000 |
| Securities available for sale | 38,096,000 | 35,781,000 | 39,098,000 | 36,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,804,000 | 316,831,000 | 327,320,000 | 320,887,000 |
| Interest-bearing deposits | 263,010,000 | 271,496,000 | 282,862,000 | 283,926,000 |
| Noninterest-bearing deposits | 33,794,000 | 45,335,000 | 44,458,000 | 36,961,000 |
| Equity capital | 46,862,000 | 45,491,000 | 46,832,000 | 48,754,000 |
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 | 5,812,000 | 12,032,000 | 18,753,000 | 25,557,000 |
| Interest expense | 2,792,000 | 5,700,000 | 8,782,000 | 11,773,000 |
| Net interest income | 3,020,000 | 6,332,000 | 9,971,000 | 13,784,000 |
| Noninterest income | 125,000 | 254,000 | 382,000 | 522,000 |
| Noninterest expense | 1,742,000 | 3,584,000 | 5,589,000 | 7,424,000 |
| Provision for loan losses | -42,000 | 139,000 | 164,000 | 364,000 |
| Pretax income | 1,340,000 | 2,736,000 | 4,473,000 | 6,364,000 |
| Income tax | 250,000 | 498,000 | 860,000 | 1,205,000 |
| Net income | 1,090,000 | 2,238,000 | 3,613,000 | 5,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,232,000 | 47,701,000 | 48,812,000 | 50,413,000 |