Call reports 2015
SPRING HILL STATE BANK — 2015
What SPRING HILL STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 185,393,000 | 187,074,000 | 186,479,000 | 185,134,000 |
| Total loans | 148,162,000 | 146,848,000 | 147,517,000 | 148,756,000 |
| Allowance for loan losses | 2,957,000 | 2,991,000 | 3,021,000 | 3,075,000 |
| Securities available for sale | 4,035,000 | 4,028,000 | 4,532,000 | 5,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,336,000 | 154,939,000 | 153,870,000 | 152,260,000 |
| Interest-bearing deposits | 116,005,000 | 119,963,000 | 118,133,000 | 118,179,000 |
| Noninterest-bearing deposits | 35,331,000 | 34,976,000 | 35,737,000 | 34,081,000 |
| Equity capital | 16,832,000 | 17,101,000 | 17,508,000 | 17,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,963,000 | 3,919,000 | 5,910,000 | 7,853,000 |
| Interest expense | 284,000 | 575,000 | 865,000 | 1,146,000 |
| Net interest income | 1,679,000 | 3,344,000 | 5,045,000 | 6,707,000 |
| Noninterest income | 249,000 | 497,000 | 770,000 | 1,234,000 |
| Noninterest expense | 1,303,000 | 2,729,000 | 4,020,000 | 5,377,000 |
| Provision for loan losses | 81,000 | 156,000 | 230,000 | 309,000 |
| Pretax income | 544,000 | 956,000 | 1,565,000 | 2,255,000 |
| Income tax | 186,000 | 327,000 | 535,000 | 770,000 |
| Net income | 358,000 | 629,000 | 1,030,000 | 1,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,832,000 | 17,101,000 | 17,508,000 | 17,857,000 |
| Total capital | 18,200,000 | 18,471,000 | 18,883,000 | 19,233,000 |
| Risk-weighted assets | 107,848,000 | 107,890,000 | 108,132,000 | 108,302,000 |