Call reports 2005
STATE BANK OF SPRING HILL, THE — 2005
What STATE BANK OF SPRING HILL, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 41,144,000 | 39,034,000 | 40,916,000 | 38,719,000 |
| Total loans | 15,994,000 | 13,272,000 | 14,009,000 | 14,184,000 |
| Allowance for loan losses | 249,000 | 252,000 | 255,000 | 258,000 |
| Securities available for sale | 1,677,000 | 1,737,000 | 1,182,000 | 1,183,000 |
| Securities held to maturity | 20,363,000 | 20,333,000 | 21,151,000 | 20,984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,844,000 | 32,520,000 | 32,456,000 | 31,642,000 |
| Interest-bearing deposits | 25,479,000 | 26,264,000 | 26,367,000 | 25,205,000 |
| Noninterest-bearing deposits | 7,365,000 | 6,256,000 | 6,089,000 | 6,437,000 |
| Equity capital | 4,777,000 | 4,846,000 | 4,858,000 | 4,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 409,000 | 824,000 | 1,266,000 | 1,727,000 |
| Interest expense | 97,000 | 201,000 | 319,000 | 448,000 |
| Net interest income | 312,000 | 623,000 | 947,000 | 1,279,000 |
| Noninterest income | 49,000 | 93,000 | 131,000 | 166,000 |
| Noninterest expense | 275,000 | 555,000 | 841,000 | 1,129,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 83,000 | 155,000 | 228,000 | 304,000 |
| Income tax | 13,000 | 22,000 | 30,000 | 40,000 |
| Net income | 70,000 | 133,000 | 198,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,791,000 | 4,855,000 | 4,869,000 | 4,886,000 |
| Total capital | 5,040,000 | 5,107,000 | 5,124,000 | 5,144,000 |
| Risk-weighted assets | 41,640,000 | 39,311,000 | 41,239,000 | 39,010,000 |