Call reports 2016
SPRINGFIELD STATE BANK — 2016
What SPRINGFIELD STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 300,578,000 | 297,943,000 | 299,467,000 | 302,036,000 |
| Total loans | 136,689,000 | 141,029,000 | 141,524,000 | 143,900,000 |
| Allowance for loan losses | 2,164,000 | 2,128,000 | 2,042,000 | 1,990,000 |
| Securities available for sale | 62,304,000 | 59,732,000 | 57,810,000 | 62,209,000 |
| Securities held to maturity | 72,730,000 | 70,896,000 | 69,731,000 | 69,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,586,000 | 219,550,000 | 221,074,000 | 219,291,000 |
| Interest-bearing deposits | 179,945,000 | 177,839,000 | 177,825,000 | 177,666,000 |
| Noninterest-bearing deposits | 41,641,000 | 41,711,000 | 43,249,000 | 41,625,000 |
| Equity capital | 40,027,000 | 40,604,000 | 41,314,000 | 40,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,878,000 | 5,844,000 | 8,658,000 | 11,438,000 |
| Interest expense | 608,000 | 1,199,000 | 1,783,000 | 2,361,000 |
| Net interest income | 2,270,000 | 4,645,000 | 6,875,000 | 9,077,000 |
| Noninterest income | 287,000 | 554,000 | 827,000 | 1,092,000 |
| Noninterest expense | 1,526,000 | 2,942,000 | 4,443,000 | 6,013,000 |
| Provision for loan losses | 60,000 | 120,000 | 200,000 | 270,000 |
| Pretax income | 972,000 | 2,137,000 | 3,061,000 | 3,889,000 |
| Income tax | 137,000 | 357,000 | 516,000 | 560,000 |
| Net income | 835,000 | 1,780,000 | 2,545,000 | 3,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,656,000 | 38,815,000 | 42,964,000 | 43,343,000 |
| Total capital | 43,772,000 | 40,943,000 | 45,006,000 | 45,333,000 |
| Risk-weighted assets | 169,272,000 | 170,463,000 | 184,143,000 | 183,706,000 |