Call reports 2006
SPRING HILL STATE BANK — 2006
What SPRING HILL STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 112,399,000 | 111,329,000 | 113,511,000 | 116,069,000 |
| Total loans | 88,865,000 | 91,951,000 | 94,415,000 | 95,515,000 |
| Allowance for loan losses | 968,000 | 1,005,000 | 961,000 | 961,000 |
| Securities available for sale | 1,127,000 | 1,121,000 | 1,121,000 | 1,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,848,000 | 94,810,000 | 96,833,000 | 96,769,000 |
| Interest-bearing deposits | 76,273,000 | 74,243,000 | 76,577,000 | 76,443,000 |
| Noninterest-bearing deposits | 19,575,000 | 20,567,000 | 20,256,000 | 20,326,000 |
| Equity capital | 7,634,000 | 7,957,000 | 8,195,000 | 7,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,800,000 | 3,750,000 | 5,761,000 | 7,813,000 |
| Interest expense | 654,000 | 1,398,000 | 2,179,000 | 2,988,000 |
| Net interest income | 1,146,000 | 2,352,000 | 3,582,000 | 4,825,000 |
| Noninterest income | 309,000 | 647,000 | 975,000 | 1,299,000 |
| Noninterest expense | 988,000 | 1,963,000 | 2,977,000 | 3,986,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 392,000 | 886,000 | 1,355,000 | 1,838,000 |
| Income tax | 134,000 | 304,000 | 463,000 | 630,000 |
| Net income | 258,000 | 582,000 | 892,000 | 1,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,638,000 | 7,962,000 | 8,196,000 | 7,953,000 |
| Total capital | 8,606,000 | 8,967,000 | 9,157,000 | 8,914,000 |
| Risk-weighted assets | 81,695,000 | 83,452,000 | 84,612,000 | 86,385,000 |