Call reports 2005
SPRINGFIELD STATE BANK — 2005
What SPRINGFIELD STATE BANK 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 | 28,706,000 | 30,248,000 | 30,220,000 | 28,857,000 |
| Total loans | 17,699,000 | 17,072,000 | 16,628,000 | 15,985,000 |
| Allowance for loan losses | 200,000 | 177,000 | 180,000 | 177,000 |
| Securities available for sale | 1,574,000 | 2,000,000 | 2,023,000 | 2,799,000 |
| Securities held to maturity | 4,895,000 | 4,436,000 | 4,796,000 | 4,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,372,000 | 25,751,000 | 25,593,000 | 24,626,000 |
| Interest-bearing deposits | 18,322,000 | 18,608,000 | 19,889,000 | 18,079,000 |
| Noninterest-bearing deposits | 6,051,000 | 7,143,000 | 5,703,000 | 6,548,000 |
| Equity capital | 2,296,000 | 2,426,000 | 2,543,000 | 2,196,000 |
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 | 349,000 | 713,000 | 1,090,000 | 1,478,000 |
| Interest expense | 85,000 | 176,000 | 278,000 | 399,000 |
| Net interest income | 264,000 | 537,000 | 812,000 | 1,079,000 |
| Noninterest income | 43,000 | 79,000 | 114,000 | 145,000 |
| Noninterest expense | 181,000 | 374,000 | 553,000 | 765,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 14,000 |
| Pretax income | 123,000 | 236,000 | 364,000 | 445,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 123,000 | 236,000 | 364,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,313,000 | 2,426,000 | 2,554,000 | 2,222,000 |
| Total capital | 2,513,000 | 2,603,000 | 2,734,000 | 2,399,000 |
| Risk-weighted assets | 16,868,000 | 16,713,000 | 16,511,000 | 15,892,000 |
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