Call reports 2025
SPRING HILL STATE BANK — 2025
What SPRING HILL STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 248,062,000 | 248,351,000 | 249,906,000 | 249,668,000 |
| Total loans | 178,085,000 | 187,577,000 | 186,814,000 | 186,472,000 |
| Allowance for loan losses | 4,222,000 | 4,163,000 | 3,919,000 | 3,901,000 |
| Securities available for sale | 7,405,000 | 7,448,000 | 9,539,000 | 9,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,486,000 | 204,993,000 | 205,582,000 | 204,614,000 |
| Interest-bearing deposits | 149,634,000 | 152,902,000 | 153,788,000 | 153,675,000 |
| Noninterest-bearing deposits | 55,852,000 | 52,091,000 | 51,794,000 | 50,939,000 |
| Equity capital | 35,798,000 | 36,625,000 | 37,651,000 | 38,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,644,000 | 7,475,000 | 11,423,000 | 15,380,000 |
| Interest expense | 1,134,000 | 2,290,000 | 3,410,000 | 4,494,000 |
| Net interest income | 2,510,000 | 5,185,000 | 8,013,000 | 10,886,000 |
| Noninterest income | 242,000 | 483,000 | 682,000 | 899,000 |
| Noninterest expense | 1,583,000 | 3,223,000 | 4,885,000 | 6,635,000 |
| Provision for loan losses | 124,000 | 235,000 | 376,000 | 468,000 |
| Pretax income | 1,045,000 | 2,210,000 | 3,434,000 | 4,682,000 |
| Income tax | 220,000 | 466,000 | 724,000 | 986,000 |
| Net income | 825,000 | 1,744,000 | 2,710,000 | 3,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,877,000 | 36,672,000 | 37,637,000 | 38,487,000 |
| Total capital | 37,553,000 | 38,437,000 | 39,377,000 | 40,242,000 |
| Risk-weighted assets | 131,568,000 | 138,829,000 | 137,037,000 | 138,273,000 |