Call reports 2003
SPRINGFIELD STATE BANK — 2003
What SPRINGFIELD STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 182,995,000 | 182,563,000 | 186,459,000 | 190,586,000 |
| Total loans | 99,729,000 | 101,495,000 | 105,677,000 | 112,200,000 |
| Allowance for loan losses | 1,343,000 | 1,366,000 | 1,368,000 | 1,301,000 |
| Securities available for sale | 48,878,000 | 52,097,000 | 47,226,000 | 46,230,000 |
| Securities held to maturity | 16,211,000 | 17,007,000 | 19,045,000 | 19,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,418,000 | 136,453,000 | 138,393,000 | 142,836,000 |
| Interest-bearing deposits | 123,209,000 | 122,137,000 | 122,972,000 | 127,595,000 |
| Noninterest-bearing deposits | 15,209,000 | 14,316,000 | 15,421,000 | 15,241,000 |
| Equity capital | 20,196,000 | 20,598,000 | 20,820,000 | 21,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,680,000 | 5,308,000 | 7,997,000 | 10,691,000 |
| Interest expense | 1,074,000 | 2,117,000 | 3,138,000 | 4,149,000 |
| Net interest income | 1,606,000 | 3,191,000 | 4,859,000 | 6,542,000 |
| Noninterest income | 138,000 | 279,000 | 455,000 | 697,000 |
| Noninterest expense | 912,000 | 1,806,000 | 2,754,000 | 3,877,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 802,000 | 1,604,000 | 2,471,000 | 3,258,000 |
| Income tax | 206,000 | 431,000 | 659,000 | 838,000 |
| Net income | 596,000 | 1,173,000 | 1,812,000 | 2,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,661,000 | 19,963,000 | 20,602,000 | 20,915,000 |
| Total capital | 20,941,000 | 21,259,000 | 21,953,000 | 22,216,000 |
| Risk-weighted assets | 102,325,000 | 103,720,000 | 108,065,000 | 113,659,000 |