Call reports 2016
SPRING HILL STATE BANK — 2016
What SPRING HILL STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 185,015,000 | 190,404,000 | 189,330,000 | 187,862,000 |
| Total loans | 149,885,000 | 151,512,000 | 150,902,000 | 150,831,000 |
| Allowance for loan losses | 3,023,000 | 2,991,000 | 2,886,000 | 2,849,000 |
| Securities available for sale | 5,532,000 | 5,545,000 | 15,537,000 | 5,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,617,000 | 154,279,000 | 152,681,000 | 151,381,000 |
| Interest-bearing deposits | 118,192,000 | 122,386,000 | 119,536,000 | 117,969,000 |
| Noninterest-bearing deposits | 33,426,000 | 31,893,000 | 33,145,000 | 33,412,000 |
| Equity capital | 18,170,000 | 18,584,000 | 18,974,000 | 19,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,986,000 | 3,971,000 | 6,046,000 | 8,016,000 |
| Interest expense | 281,000 | 581,000 | 874,000 | 1,168,000 |
| Net interest income | 1,705,000 | 3,390,000 | 5,172,000 | 6,848,000 |
| Noninterest income | 252,000 | 507,000 | 727,000 | 910,000 |
| Noninterest expense | 1,387,000 | 2,713,000 | 4,036,000 | 5,421,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 8,000 |
| Pretax income | 570,000 | 1,184,000 | 1,858,000 | 2,329,000 |
| Income tax | 195,000 | 404,000 | 634,000 | 795,000 |
| Net income | 375,000 | 780,000 | 1,224,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,170,000 | 18,584,000 | 18,965,000 | 19,275,000 |
| Total capital | 19,555,000 | 19,997,000 | 20,354,000 | 20,670,000 |
| Risk-weighted assets | 109,055,000 | 111,263,000 | 109,579,000 | 110,049,000 |