Call reports 2006
SPRINGFIELD STATE BANK — 2006
What SPRINGFIELD STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 195,605,000 | 192,222,000 | 192,225,000 | 193,943,000 |
| Total loans | 114,647,000 | 113,353,000 | 114,911,000 | 114,480,000 |
| Allowance for loan losses | 1,240,000 | 1,272,000 | 1,391,000 | 1,400,000 |
| Securities available for sale | 41,990,000 | 43,690,000 | 44,256,000 | 44,210,000 |
| Securities held to maturity | 19,365,000 | 19,577,000 | 19,538,000 | 19,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,067,000 | 145,970,000 | 144,940,000 | 148,337,000 |
| Interest-bearing deposits | 130,578,000 | 129,015,000 | 128,303,000 | 130,784,000 |
| Noninterest-bearing deposits | 17,489,000 | 16,955,000 | 16,637,000 | 17,553,000 |
| Equity capital | 24,015,000 | 23,010,000 | 23,169,000 | 23,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,853,000 | 5,750,000 | 8,693,000 | 11,709,000 |
| Interest expense | 1,135,000 | 2,328,000 | 3,586,000 | 4,907,000 |
| Net interest income | 1,718,000 | 3,422,000 | 5,107,000 | 6,802,000 |
| Noninterest income | 238,000 | 477,000 | 732,000 | 968,000 |
| Noninterest expense | 1,109,000 | 2,077,000 | 3,098,000 | 4,292,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 817,000 | 1,762,000 | 2,651,000 | 3,358,000 |
| Income tax | 195,000 | 414,000 | 638,000 | 799,000 |
| Net income | 622,000 | 1,348,000 | 2,013,000 | 2,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,962,000 | 24,408,000 | 23,828,000 | 24,024,000 |
| Total capital | 26,202,000 | 25,680,000 | 25,219,000 | 25,424,000 |
| Risk-weighted assets | 116,085,000 | 114,908,000 | 114,141,000 | 114,157,000 |