Call reports 2002
SPRING HILL STATE BANK — 2002
What SPRING HILL STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 86,666,000 | 84,774,000 | 88,066,000 | 87,760,000 |
| Total loans | 63,627,000 | 64,411,000 | 65,576,000 | 68,197,000 |
| Allowance for loan losses | 673,000 | 635,000 | 644,000 | 673,000 |
| Securities available for sale | 1,413,000 | 3,424,000 | 4,458,000 | 1,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,103,000 | 70,297,000 | 71,149,000 | 70,969,000 |
| Interest-bearing deposits | 60,573,000 | 58,460,000 | 59,258,000 | 58,828,000 |
| Noninterest-bearing deposits | 11,530,000 | 11,837,000 | 11,891,000 | 12,141,000 |
| Equity capital | 6,725,000 | 6,881,000 | 7,042,000 | 6,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,361,000 | 2,684,000 | 4,020,000 | 5,343,000 |
| Interest expense | 558,000 | 1,085,000 | 1,561,000 | 2,027,000 |
| Net interest income | 803,000 | 1,599,000 | 2,459,000 | 3,316,000 |
| Noninterest income | 198,000 | 408,000 | 626,000 | 861,000 |
| Noninterest expense | 693,000 | 1,377,000 | 2,069,000 | 2,782,000 |
| Provision for loan losses | 164,000 | 263,000 | 389,000 | 570,000 |
| Pretax income | 144,000 | 367,000 | 627,000 | 825,000 |
| Income tax | 49,000 | 125,000 | 214,000 | 281,000 |
| Net income | 95,000 | 242,000 | 413,000 | 544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,736,000 | 6,879,000 | 7,000,000 | 6,661,000 |
| Total capital | 7,409,000 | 7,514,000 | 7,644,000 | 7,334,000 |
| Risk-weighted assets | 56,476,000 | 55,415,000 | 54,163,000 | 61,370,000 |