Call reports 2008
SPRINGFIELD STATE BANK — 2008
What SPRINGFIELD STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 203,409,000 | 204,138,000 | 204,403,000 | 209,732,000 |
| Total loans | 114,101,000 | 117,083,000 | 112,240,000 | 113,403,000 |
| Allowance for loan losses | 1,367,000 | 1,384,000 | 1,321,000 | 1,275,000 |
| Securities available for sale | 46,717,000 | 51,183,000 | 51,639,000 | 53,370,000 |
| Securities held to maturity | 18,535,000 | 21,023,000 | 22,628,000 | 24,219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,377,000 | 154,536,000 | 153,194,000 | 156,828,000 |
| Interest-bearing deposits | 139,230,000 | 136,831,000 | 135,526,000 | 138,285,000 |
| Noninterest-bearing deposits | 16,147,000 | 17,705,000 | 17,668,000 | 18,543,000 |
| Equity capital | 26,585,000 | 26,203,000 | 26,810,000 | 27,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,030,000 | 6,039,000 | 9,020,000 | 11,977,000 |
| Interest expense | 1,440,000 | 2,819,000 | 4,149,000 | 5,410,000 |
| Net interest income | 1,590,000 | 3,220,000 | 4,871,000 | 6,567,000 |
| Noninterest income | 246,000 | 484,000 | 739,000 | 981,000 |
| Noninterest expense | 1,042,000 | 2,096,000 | 3,209,000 | 4,562,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 764,000 | 1,548,000 | 2,314,000 | 2,869,000 |
| Income tax | 180,000 | 361,000 | 522,000 | 619,000 |
| Net income | 584,000 | 1,187,000 | 1,792,000 | 2,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,254,000 | 26,486,000 | 27,091,000 | 26,946,000 |
| Total capital | 27,621,000 | 27,870,000 | 28,412,000 | 28,221,000 |
| Risk-weighted assets | 119,258,000 | 120,703,000 | 117,239,000 | 119,595,000 |