Call reports 2014
SPRING HILL STATE BANK — 2014
What SPRING HILL STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 179,926,000 | 182,725,000 | 186,138,000 | 186,265,000 |
| Total loans | 147,659,000 | 150,280,000 | 150,588,000 | 151,517,000 |
| Allowance for loan losses | 2,692,000 | 2,786,000 | 2,839,000 | 2,881,000 |
| Securities available for sale | 4,054,000 | 4,052,000 | 4,047,000 | 4,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,831,000 | 149,594,000 | 152,490,000 | 148,384,000 |
| Interest-bearing deposits | 114,268,000 | 114,227,000 | 115,884,000 | 114,090,000 |
| Noninterest-bearing deposits | 32,563,000 | 35,367,000 | 36,606,000 | 34,294,000 |
| Equity capital | 15,713,000 | 16,046,000 | 16,458,000 | 16,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,999,000 | 3,997,000 | 6,008,000 | 7,997,000 |
| Interest expense | 282,000 | 563,000 | 848,000 | 1,131,000 |
| Net interest income | 1,717,000 | 3,434,000 | 5,160,000 | 6,866,000 |
| Noninterest income | 246,000 | 497,000 | 766,000 | 1,037,000 |
| Noninterest expense | 1,289,000 | 2,684,000 | 3,978,000 | 5,268,000 |
| Provision for loan losses | 110,000 | 212,000 | 287,000 | 337,000 |
| Pretax income | 564,000 | 1,035,000 | 1,661,000 | 2,298,000 |
| Income tax | 241,000 | 354,000 | 568,000 | 786,000 |
| Net income | 323,000 | 681,000 | 1,093,000 | 1,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,713,000 | 16,046,000 | 16,458,000 | 16,819,000 |
| Total capital | 17,097,000 | 17,426,000 | 17,869,000 | 18,233,000 |
| Risk-weighted assets | 109,358,000 | 108,881,000 | 111,392,000 | 111,549,000 |