Call reports 2007
SPRINGFIELD STATE BANK — 2007
What SPRINGFIELD STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 195,440,000 | 194,303,000 | 196,150,000 | 198,432,000 |
| Total loans | 116,254,000 | 114,859,000 | 114,777,000 | 117,207,000 |
| Allowance for loan losses | 1,444,000 | 1,339,000 | 1,358,000 | 1,380,000 |
| Securities available for sale | 45,290,000 | 44,617,000 | 45,331,000 | 47,747,000 |
| Securities held to maturity | 18,923,000 | 18,368,000 | 18,228,000 | 18,226,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,367,000 | 149,920,000 | 150,305,000 | 151,820,000 |
| Interest-bearing deposits | 131,688,000 | 130,850,000 | 132,109,000 | 134,600,000 |
| Noninterest-bearing deposits | 16,679,000 | 19,070,000 | 18,196,000 | 17,220,000 |
| Equity capital | 24,184,000 | 24,155,000 | 25,241,000 | 25,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,969,000 | 6,032,000 | 9,088,000 | 12,205,000 |
| Interest expense | 1,353,000 | 2,751,000 | 4,173,000 | 5,638,000 |
| Net interest income | 1,616,000 | 3,281,000 | 4,915,000 | 6,567,000 |
| Noninterest income | 239,000 | 478,000 | 722,000 | 980,000 |
| Noninterest expense | 971,000 | 1,963,000 | 3,051,000 | 4,341,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 854,000 | 1,736,000 | 2,496,000 | 3,086,000 |
| Income tax | 192,000 | 408,000 | 613,000 | 729,000 |
| Net income | 662,000 | 1,328,000 | 1,883,000 | 2,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,686,000 | 25,002,000 | 25,557,000 | 25,669,000 |
| Total capital | 26,130,000 | 26,341,000 | 26,915,000 | 27,049,000 |
| Risk-weighted assets | 116,633,000 | 117,833,000 | 118,364,000 | 119,850,000 |