Call reports 2003
SPRING HILL STATE BANK — 2003
What SPRING HILL STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 88,622,000 | 89,924,000 | 93,574,000 | 91,472,000 |
| Total loans | 68,235,000 | 69,995,000 | 70,079,000 | 70,988,000 |
| Allowance for loan losses | 803,000 | 836,000 | 860,000 | 818,000 |
| Securities available for sale | 2,372,000 | 2,336,000 | 2,280,000 | 2,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,120,000 | 73,388,000 | 75,147,000 | 73,658,000 |
| Interest-bearing deposits | 59,248,000 | 60,071,000 | 61,898,000 | 60,684,000 |
| Noninterest-bearing deposits | 12,872,000 | 13,317,000 | 13,249,000 | 12,974,000 |
| Equity capital | 6,671,000 | 6,892,000 | 7,035,000 | 6,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,273,000 | 2,547,000 | 3,846,000 | 5,072,000 |
| Interest expense | 426,000 | 826,000 | 1,210,000 | 1,582,000 |
| Net interest income | 847,000 | 1,721,000 | 2,636,000 | 3,490,000 |
| Noninterest income | 213,000 | 426,000 | 632,000 | 835,000 |
| Noninterest expense | 729,000 | 1,407,000 | 2,130,000 | 2,950,000 |
| Provision for loan losses | 275,000 | 404,000 | 518,000 | 538,000 |
| Pretax income | 56,000 | 336,000 | 620,000 | 837,000 |
| Income tax | 19,000 | 81,000 | 177,000 | 252,000 |
| Net income | 37,000 | 255,000 | 443,000 | 585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,647,000 | 6,867,000 | 7,019,000 | 6,712,000 |
| Total capital | 7,412,000 | 7,640,000 | 7,805,000 | 7,485,000 |
| Risk-weighted assets | 61,129,000 | 61,744,000 | 62,813,000 | 61,801,000 |