Call reports 2006
STATE BANK OF SPRING HILL, THE — 2006
What STATE BANK OF SPRING HILL, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 42,489,000 | 42,671,000 | 42,874,000 | 41,104,000 |
| Total loans | 15,257,000 | 16,081,000 | 15,315,000 | 14,012,000 |
| Allowance for loan losses | 261,000 | 265,000 | 248,000 | 216,000 |
| Securities available for sale | 1,682,000 | 1,682,000 | 1,718,000 | 1,520,000 |
| Securities held to maturity | 20,760,000 | 20,849,000 | 20,810,000 | 21,201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,049,000 | 34,147,000 | 34,205,000 | 32,515,000 |
| Interest-bearing deposits | 27,498,000 | 27,961,000 | 27,512,000 | 25,473,000 |
| Noninterest-bearing deposits | 6,551,000 | 6,186,000 | 6,693,000 | 7,042,000 |
| Equity capital | 4,958,000 | 5,064,000 | 5,115,000 | 5,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 492,000 | 1,030,000 | 1,606,000 | 2,148,000 |
| Interest expense | 144,000 | 305,000 | 485,000 | 671,000 |
| Net interest income | 348,000 | 725,000 | 1,121,000 | 1,477,000 |
| Noninterest income | 48,000 | 85,000 | 120,000 | 156,000 |
| Noninterest expense | 284,000 | 556,000 | 838,000 | 1,115,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 109,000 | 248,000 | 394,000 | 506,000 |
| Income tax | 27,000 | 60,000 | 92,000 | 124,000 |
| Net income | 82,000 | 188,000 | 302,000 | 382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,968,000 | 5,074,000 | 5,113,000 | 5,118,000 |
| Total capital | 5,229,000 | 5,339,000 | 5,361,000 | 5,334,000 |
| Risk-weighted assets | 42,777,000 | 42,957,000 | 43,123,000 | 41,322,000 |