Call reports 2009
SPRING HILL STATE BANK — 2009
What SPRING HILL STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 163,303,000 | 158,913,000 | 161,184,000 | 160,874,000 |
| Total loans | 117,849,000 | 121,424,000 | 125,043,000 | 128,942,000 |
| Allowance for loan losses | 1,309,000 | 1,287,000 | 1,390,000 | 1,610,000 |
| Securities available for sale | 2,088,000 | 4,104,000 | 4,108,000 | 5,082,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,600,000 | 132,165,000 | 134,157,000 | 131,715,000 |
| Interest-bearing deposits | 112,925,000 | 107,575,000 | 111,504,000 | 108,553,000 |
| Noninterest-bearing deposits | 23,675,000 | 24,590,000 | 22,653,000 | 23,162,000 |
| Equity capital | 10,309,000 | 10,458,000 | 10,821,000 | 11,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,077,000 | 4,085,000 | 6,165,000 | 8,250,000 |
| Interest expense | 756,000 | 1,400,000 | 2,034,000 | 2,633,000 |
| Net interest income | 1,321,000 | 2,685,000 | 4,131,000 | 5,617,000 |
| Noninterest income | 304,000 | 649,000 | 982,000 | 1,319,000 |
| Noninterest expense | 1,079,000 | 2,398,000 | 3,468,000 | 4,616,000 |
| Provision for loan losses | 147,000 | 255,000 | 423,000 | 671,000 |
| Pretax income | 399,000 | 681,000 | 1,222,000 | 1,649,000 |
| Income tax | 138,000 | 235,000 | 419,000 | 566,000 |
| Net income | 261,000 | 446,000 | 803,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,315,000 | 10,450,000 | 10,806,000 | 11,088,000 |
| Total capital | 11,661,000 | 11,737,000 | 12,150,000 | 12,462,000 |
| Risk-weighted assets | 107,807,000 | 102,999,000 | 106,655,000 | 108,977,000 |