Call reports 2007
STATE BANK OF SPRING HILL, THE — 2007
What STATE BANK OF SPRING HILL, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 40,107,000 | 40,923,000 | 41,840,000 | 38,828,000 |
| Total loans | 14,498,000 | 13,851,000 | 14,936,000 | 14,471,000 |
| Allowance for loan losses | 225,000 | 231,000 | 238,000 | 221,000 |
| Securities available for sale | 1,627,000 | 1,609,000 | 1,637,000 | 1,653,000 |
| Securities held to maturity | 21,018,000 | 19,739,000 | 20,233,000 | 20,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,810,000 | 33,485,000 | 33,387,000 | 30,901,000 |
| Interest-bearing deposits | 26,362,000 | 26,706,000 | 27,468,000 | 24,415,000 |
| Noninterest-bearing deposits | 6,448,000 | 6,779,000 | 5,919,000 | 6,486,000 |
| Equity capital | 5,217,000 | 5,310,000 | 5,355,000 | 5,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 551,000 | 1,113,000 | 1,683,000 | 2,258,000 |
| Interest expense | 173,000 | 343,000 | 526,000 | 707,000 |
| Net interest income | 378,000 | 770,000 | 1,157,000 | 1,551,000 |
| Noninterest income | 41,000 | 79,000 | 119,000 | 156,000 |
| Noninterest expense | 288,000 | 572,000 | 856,000 | 1,196,000 |
| Provision for loan losses | 9,000 | 18,000 | 25,000 | 8,000 |
| Pretax income | 122,000 | 259,000 | 395,000 | 503,000 |
| Income tax | 27,000 | 61,000 | 94,000 | 116,000 |
| Net income | 95,000 | 198,000 | 301,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,213,000 | 5,316,000 | 5,344,000 | 5,354,000 |
| Total capital | 5,438,000 | 5,547,000 | 5,582,000 | 5,575,000 |
| Risk-weighted assets | 40,330,000 | 41,169,000 | 42,064,000 | 39,018,000 |