Call reports 2010
SPRING HILL STATE BANK — 2010
What SPRING HILL STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 161,871,000 | 163,822,000 | 164,807,000 | 161,498,000 |
| Total loans | 128,140,000 | 127,786,000 | 126,346,000 | 125,304,000 |
| Allowance for loan losses | 1,703,000 | 1,742,000 | 1,762,000 | 1,761,000 |
| Securities available for sale | 4,079,000 | 4,078,000 | 6,079,000 | 4,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,112,000 | 137,903,000 | 138,563,000 | 135,143,000 |
| Interest-bearing deposits | 111,488,000 | 115,705,000 | 116,849,000 | 112,749,000 |
| Noninterest-bearing deposits | 20,624,000 | 22,198,000 | 21,714,000 | 22,394,000 |
| Equity capital | 11,493,000 | 11,849,000 | 12,242,000 | 12,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,119,000 | 4,229,000 | 6,313,000 | 8,278,000 |
| Interest expense | 569,000 | 1,129,000 | 1,665,000 | 2,160,000 |
| Net interest income | 1,550,000 | 3,100,000 | 4,648,000 | 6,118,000 |
| Noninterest income | 319,000 | 661,000 | 981,000 | 1,230,000 |
| Noninterest expense | 1,128,000 | 2,350,000 | 3,450,000 | 4,628,000 |
| Provision for loan losses | 135,000 | 270,000 | 425,000 | 560,000 |
| Pretax income | 606,000 | 1,141,000 | 1,754,000 | 2,160,000 |
| Income tax | 207,000 | 389,000 | 598,000 | 737,000 |
| Net income | 399,000 | 752,000 | 1,156,000 | 1,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,488,000 | 11,849,000 | 12,242,000 | 12,497,000 |
| Total capital | 12,854,000 | 13,174,000 | 13,532,000 | 13,761,000 |
| Risk-weighted assets | 108,681,000 | 105,959,000 | 101,884,000 | 99,811,000 |