Call reports 2008
SPRING HILL STATE BANK — 2008
What SPRING HILL STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 134,494,000 | 138,822,000 | 148,576,000 | 165,919,000 |
| Total loans | 104,922,000 | 109,654,000 | 109,485,000 | 115,752,000 |
| Allowance for loan losses | 1,143,000 | 1,190,000 | 1,208,000 | 1,218,000 |
| Securities available for sale | 1,094,000 | 1,097,000 | 1,110,000 | 1,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,506,000 | 113,697,000 | 123,125,000 | 139,564,000 |
| Interest-bearing deposits | 86,193,000 | 87,971,000 | 98,622,000 | 114,557,000 |
| Noninterest-bearing deposits | 23,313,000 | 25,726,000 | 24,504,000 | 25,006,000 |
| Equity capital | 9,207,000 | 9,553,000 | 9,866,000 | 10,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,215,000 | 4,312,000 | 6,404,000 | 8,453,000 |
| Interest expense | 876,000 | 1,695,000 | 2,525,000 | 3,311,000 |
| Net interest income | 1,339,000 | 2,617,000 | 3,879,000 | 5,142,000 |
| Noninterest income | 345,000 | 704,000 | 1,056,000 | 1,418,000 |
| Noninterest expense | 1,008,000 | 1,977,000 | 2,999,000 | 4,170,000 |
| Provision for loan losses | 130,000 | 250,000 | 389,000 | 478,000 |
| Pretax income | 546,000 | 1,094,000 | 1,547,000 | 1,912,000 |
| Income tax | 186,000 | 373,000 | 528,000 | 653,000 |
| Net income | 360,000 | 721,000 | 1,019,000 | 1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,207,000 | 9,566,000 | 9,866,000 | 10,054,000 |
| Total capital | 10,381,000 | 10,781,000 | 11,074,000 | 11,339,000 |
| Risk-weighted assets | 93,881,000 | 96,424,000 | 99,229,000 | 108,259,000 |