Call reports 2005
SPRING HILL STATE BANK — 2005
What SPRING HILL STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 95,634,000 | 97,935,000 | 97,826,000 | 101,357,000 |
| Total loans | 75,936,000 | 78,403,000 | 79,138,000 | 83,994,000 |
| Allowance for loan losses | 866,000 | 885,000 | 887,000 | 922,000 |
| Securities available for sale | 1,153,000 | 1,142,000 | 1,134,000 | 1,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,597,000 | 79,029,000 | 79,086,000 | 83,813,000 |
| Interest-bearing deposits | 63,445,000 | 62,340,000 | 61,928,000 | 66,885,000 |
| Noninterest-bearing deposits | 15,152,000 | 16,689,000 | 17,158,000 | 16,927,000 |
| Equity capital | 7,172,000 | 7,323,000 | 7,324,000 | 7,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,393,000 | 2,823,000 | 4,360,000 | 5,931,000 |
| Interest expense | 431,000 | 884,000 | 1,388,000 | 1,945,000 |
| Net interest income | 962,000 | 1,939,000 | 2,972,000 | 3,986,000 |
| Noninterest income | 222,000 | 457,000 | 773,000 | 1,119,000 |
| Noninterest expense | 820,000 | 1,637,000 | 2,516,000 | 3,557,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 274,000 | 579,000 | 959,000 | 1,188,000 |
| Income tax | 94,000 | 198,000 | 328,000 | 406,000 |
| Net income | 180,000 | 381,000 | 631,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,178,000 | 7,328,000 | 7,329,000 | 7,479,000 |
| Total capital | 8,038,000 | 8,209,000 | 8,187,000 | 8,401,000 |
| Risk-weighted assets | 68,126,000 | 70,504,000 | 73,289,000 | 77,141,000 |