Call reports 2008
STATE BANK OF SPRING HILL, THE — 2008
What STATE BANK OF SPRING HILL, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 40,122,000 | 40,730,000 | 39,764,000 | 39,141,000 |
| Total loans | 13,918,000 | 12,484,000 | 12,214,000 | 11,968,000 |
| Allowance for loan losses | 230,000 | 236,000 | 245,000 | 238,000 |
| Securities available for sale | 1,687,000 | 1,549,000 | 1,552,000 | 1,559,000 |
| Securities held to maturity | 20,168,000 | 20,416,000 | 21,329,000 | 21,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,353,000 | 33,424,000 | 31,384,000 | 31,211,000 |
| Interest-bearing deposits | 26,497,000 | 27,161,000 | 25,711,000 | 24,794,000 |
| Noninterest-bearing deposits | 5,856,000 | 6,263,000 | 5,673,000 | 6,417,000 |
| Equity capital | 5,481,000 | 5,505,000 | 5,518,000 | 5,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 522,000 | 956,000 | 1,455,000 | 1,918,000 |
| Interest expense | 168,000 | 309,000 | 450,000 | 579,000 |
| Net interest income | 354,000 | 647,000 | 1,005,000 | 1,339,000 |
| Noninterest income | 40,000 | 75,000 | 111,000 | 144,000 |
| Noninterest expense | 282,000 | 567,000 | 851,000 | 1,178,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 103,000 | 137,000 | 238,000 | 269,000 |
| Income tax | 19,000 | 10,000 | 26,000 | 19,000 |
| Net income | 84,000 | 127,000 | 212,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,438,000 | 5,481,000 | 5,492,000 | 5,454,000 |
| Total capital | 5,668,000 | 5,717,000 | 5,737,000 | 5,692,000 |
| Risk-weighted assets | 40,285,000 | 40,932,000 | 39,971,000 | 39,333,000 |