Call reports 2003
STATE BANK OF SPRING HILL, THE — 2003
What STATE BANK OF SPRING HILL, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 41,835,000 | 39,530,000 | 42,590,000 | 38,866,000 |
| Total loans | 14,969,000 | 14,719,000 | 13,708,000 | 16,006,000 |
| Allowance for loan losses | 201,000 | 211,000 | 239,000 | 239,000 |
| Securities available for sale | 1,741,000 | 1,748,000 | 2,235,000 | 2,729,000 |
| Securities held to maturity | 18,402,000 | 18,344,000 | 19,228,000 | 18,043,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,603,000 | 33,019,000 | 34,179,000 | 31,820,000 |
| Interest-bearing deposits | 27,311,000 | 27,248,000 | 28,034,000 | 26,266,000 |
| Noninterest-bearing deposits | 5,292,000 | 5,771,000 | 6,145,000 | 5,554,000 |
| Equity capital | 4,490,000 | 4,562,000 | 4,563,000 | 4,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 460,000 | 906,000 | 1,334,000 | 1,743,000 |
| Interest expense | 140,000 | 267,000 | 384,000 | 487,000 |
| Net interest income | 320,000 | 639,000 | 950,000 | 1,256,000 |
| Noninterest income | 56,000 | 101,000 | 144,000 | 190,000 |
| Noninterest expense | 278,000 | 549,000 | 825,000 | 1,080,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 48,000 |
| Pretax income | 83,000 | 161,000 | 224,000 | 318,000 |
| Income tax | 13,000 | 26,000 | 32,000 | 53,000 |
| Net income | 70,000 | 135,000 | 192,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,475,000 | 4,541,000 | 4,548,000 | 4,571,000 |
| Total capital | 4,676,000 | 4,752,000 | 4,787,000 | 4,810,000 |
| Risk-weighted assets | 42,215,000 | 39,792,000 | 42,942,000 | 39,088,000 |