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 | 188,486,000 | 189,344,000 | 191,319,000 | 191,076,000 |
| Total loans | 112,584,000 | 113,008,000 | 114,372,000 | 114,744,000 |
| Allowance for loan losses | 1,333,000 | 1,325,000 | 1,236,000 | 1,203,000 |
| Securities available for sale | 43,841,000 | 41,793,000 | 41,767,000 | 41,949,000 |
| Securities held to maturity | 19,967,000 | 19,952,000 | 19,976,000 | 19,846,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,337,000 | 141,799,000 | 142,776,000 | 143,214,000 |
| Interest-bearing deposits | 125,242,000 | 126,525,000 | 126,213,000 | 126,694,000 |
| Noninterest-bearing deposits | 15,095,000 | 15,274,000 | 16,563,000 | 16,520,000 |
| Equity capital | 22,460,000 | 23,317,000 | 23,692,000 | 23,715,000 |
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 | 2,641,000 | 5,316,000 | 8,044,000 | 10,881,000 |
| Interest expense | 944,000 | 1,923,000 | 2,967,000 | 4,059,000 |
| Net interest income | 1,697,000 | 3,393,000 | 5,077,000 | 6,822,000 |
| Noninterest income | 266,000 | 504,000 | 753,000 | 992,000 |
| Noninterest expense | 1,088,000 | 2,067,000 | 3,115,000 | 4,289,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 844,000 | 1,769,000 | 2,624,000 | 3,404,000 |
| Income tax | 199,000 | 416,000 | 622,000 | 806,000 |
| Net income | 645,000 | 1,353,000 | 2,002,000 | 2,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,036,000 | 23,424,000 | 24,072,000 | 24,340,000 |
| Total capital | 24,369,000 | 24,749,000 | 25,308,000 | 25,543,000 |
| Risk-weighted assets | 111,898,000 | 113,045,000 | 114,108,000 | 114,752,000 |