Call reports 2004
SPRING HILL STATE BANK — 2004
What SPRING HILL STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,677,000 | 95,845,000 | 97,772,000 | 95,352,000 |
| Total loans | 72,107,000 | 74,432,000 | 74,466,000 | 75,523,000 |
| Allowance for loan losses | 862,000 | 908,000 | 916,000 | 809,000 |
| Securities available for sale | 1,226,000 | 1,186,000 | 1,181,000 | 1,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,968,000 | 78,326,000 | 80,296,000 | 78,210,000 |
| Interest-bearing deposits | 63,009,000 | 63,755,000 | 64,979,000 | 64,137,000 |
| Noninterest-bearing deposits | 13,959,000 | 14,571,000 | 15,318,000 | 14,073,000 |
| Equity capital | 6,856,000 | 6,991,000 | 7,146,000 | 7,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,249,000 | 2,502,000 | 3,763,000 | 5,104,000 |
| Interest expense | 361,000 | 721,000 | 1,093,000 | 1,474,000 |
| Net interest income | 888,000 | 1,781,000 | 2,670,000 | 3,630,000 |
| Noninterest income | 214,000 | 427,000 | 645,000 | 853,000 |
| Noninterest expense | 786,000 | 1,572,000 | 2,347,000 | 3,210,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 350,000 |
| Pretax income | 211,000 | 426,000 | 653,000 | 923,000 |
| Income tax | 72,000 | 146,000 | 223,000 | 316,000 |
| Net income | 139,000 | 280,000 | 430,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,851,000 | 6,992,000 | 7,142,000 | 7,048,000 |
| Total capital | 7,638,000 | 7,812,000 | 7,996,000 | 7,857,000 |
| Risk-weighted assets | 62,907,000 | 65,813,000 | 67,559,000 | 67,471,000 |