Call reports 2007
SPRING HILL STATE BANK — 2007
What SPRING HILL STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 118,579,000 | 121,989,000 | 124,935,000 | 129,118,000 |
| Total loans | 95,700,000 | 96,493,000 | 100,485,000 | 104,451,000 |
| Allowance for loan losses | 941,000 | 1,000,000 | 1,050,000 | 1,074,000 |
| Securities available for sale | 1,110,000 | 1,102,000 | 5,096,000 | 1,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,917,000 | 102,144,000 | 104,794,000 | 107,583,000 |
| Interest-bearing deposits | 78,342,000 | 78,831,000 | 82,683,000 | 85,079,000 |
| Noninterest-bearing deposits | 20,575,000 | 23,313,000 | 22,111,000 | 22,504,000 |
| Equity capital | 8,200,000 | 8,540,000 | 8,860,000 | 8,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,103,000 | 4,287,000 | 6,514,000 | 8,758,000 |
| Interest expense | 855,000 | 1,737,000 | 2,636,000 | 3,553,000 |
| Net interest income | 1,248,000 | 2,550,000 | 3,878,000 | 5,205,000 |
| Noninterest income | 317,000 | 655,000 | 1,042,000 | 1,395,000 |
| Noninterest expense | 1,025,000 | 1,979,000 | 2,998,000 | 4,030,000 |
| Provision for loan losses | 90,000 | 180,000 | 295,000 | 505,000 |
| Pretax income | 450,000 | 1,046,000 | 1,627,000 | 2,065,000 |
| Income tax | 154,000 | 357,000 | 556,000 | 708,000 |
| Net income | 296,000 | 689,000 | 1,071,000 | 1,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,200,000 | 8,540,000 | 8,860,000 | 8,895,000 |
| Total capital | 9,141,000 | 9,540,000 | 9,910,000 | 10,036,000 |
| Risk-weighted assets | 87,512,000 | 88,785,000 | 90,872,000 | 94,563,000 |