Call reports 2004
SPRINGFIELD STATE BANK — 2004
What SPRINGFIELD STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 191,530,000 | 190,384,000 | 191,497,000 | 192,578,000 |
| Total loans | 111,120,000 | 108,618,000 | 111,860,000 | 113,359,000 |
| Allowance for loan losses | 1,343,000 | 1,276,000 | 1,290,000 | 1,321,000 |
| Securities available for sale | 43,152,000 | 45,660,000 | 47,676,000 | 44,226,000 |
| Securities held to maturity | 19,510,000 | 19,969,000 | 20,201,000 | 20,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,770,000 | 142,364,000 | 142,717,000 | 143,462,000 |
| Interest-bearing deposits | 128,200,000 | 125,593,000 | 127,059,000 | 127,690,000 |
| Noninterest-bearing deposits | 14,570,000 | 16,771,000 | 15,658,000 | 15,772,000 |
| Equity capital | 21,921,000 | 21,223,000 | 22,598,000 | 22,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,681,000 | 5,328,000 | 7,991,000 | 10,666,000 |
| Interest expense | 994,000 | 1,962,000 | 2,916,000 | 3,868,000 |
| Net interest income | 1,687,000 | 3,366,000 | 5,075,000 | 6,798,000 |
| Noninterest income | 263,000 | 504,000 | 748,000 | 964,000 |
| Noninterest expense | 1,027,000 | 1,982,000 | 3,029,000 | 4,085,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 320,000 |
| Pretax income | 893,000 | 1,833,000 | 2,709,000 | 3,362,000 |
| Income tax | 232,000 | 470,000 | 704,000 | 806,000 |
| Net income | 661,000 | 1,363,000 | 2,005,000 | 2,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,575,000 | 21,938,000 | 22,579,000 | 22,391,000 |
| Total capital | 22,918,000 | 23,214,000 | 23,869,000 | 23,712,000 |
| Risk-weighted assets | 112,723,000 | 111,636,000 | 112,616,000 | 113,771,000 |