Call reports 2004
STATE BANK OF SPRING HILL, THE — 2004
What STATE BANK OF SPRING HILL, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 42,038,000 | 42,033,000 | 40,414,000 | 41,377,000 |
| Total loans | 15,547,000 | 15,161,000 | 16,360,000 | 14,866,000 |
| Allowance for loan losses | 243,000 | 240,000 | 242,000 | 245,000 |
| Securities available for sale | 2,440,000 | 2,395,000 | 2,399,000 | 1,688,000 |
| Securities held to maturity | 17,960,000 | 19,421,000 | 19,794,000 | 20,486,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,804,000 | 35,582,000 | 32,751,000 | 33,834,000 |
| Interest-bearing deposits | 26,527,000 | 28,898,000 | 27,148,000 | 27,285,000 |
| Noninterest-bearing deposits | 6,277,000 | 6,684,000 | 5,603,000 | 6,549,000 |
| Equity capital | 4,651,000 | 4,685,000 | 4,708,000 | 4,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 398,000 | 797,000 | 1,198,000 | 1,607,000 |
| Interest expense | 96,000 | 180,000 | 267,000 | 360,000 |
| Net interest income | 302,000 | 617,000 | 931,000 | 1,247,000 |
| Noninterest income | 50,000 | 78,000 | 122,000 | 162,000 |
| Noninterest expense | 278,000 | 548,000 | 823,000 | 1,106,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 71,000 | 141,000 | 221,000 | 291,000 |
| Income tax | 10,000 | 20,000 | 32,000 | 41,000 |
| Net income | 61,000 | 121,000 | 189,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,632,000 | 4,691,000 | 4,710,000 | 4,721,000 |
| Total capital | 4,875,000 | 4,931,000 | 4,952,000 | 4,966,000 |
| Risk-weighted assets | 42,255,000 | 42,289,000 | 40,665,000 | 41,641,000 |