Call reports 2002
BANK OF SPRINGFIELD — 2002
What BANK OF SPRINGFIELD reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 297,504,000 | 298,999,000 | 298,906,000 | 306,636,000 |
| Total loans | 249,871,000 | 252,306,000 | 256,100,000 | 260,340,000 |
| Allowance for loan losses | 2,080,000 | 2,171,000 | 2,500,000 | 2,503,000 |
| Securities available for sale | 1,581,000 | 1,322,000 | 1,311,000 | 1,293,000 |
| Securities held to maturity | 1,300,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,223,000 | 267,573,000 | 262,907,000 | 271,774,000 |
| Interest-bearing deposits | 236,786,000 | 235,263,000 | 232,997,000 | 243,356,000 |
| Noninterest-bearing deposits | 29,437,000 | 32,310,000 | 29,909,000 | 28,418,000 |
| Equity capital | 22,123,000 | 22,738,000 | 23,428,000 | 23,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,510,000 | 9,071,000 | 13,612,000 | 18,055,000 |
| Interest expense | 2,186,000 | 4,272,000 | 6,277,000 | 8,107,000 |
| Net interest income | 2,324,000 | 4,799,000 | 7,335,000 | 9,948,000 |
| Noninterest income | 1,111,000 | 2,002,000 | 3,494,000 | 6,060,000 |
| Noninterest expense | 2,079,000 | 4,272,000 | 6,603,000 | 9,734,000 |
| Provision for loan losses | 120,000 | 340,000 | 695,000 | 1,625,000 |
| Pretax income | 1,236,000 | 2,189,000 | 3,531,000 | 4,649,000 |
| Income tax | 375,000 | 713,000 | 1,336,000 | 1,773,000 |
| Net income | 861,000 | 1,476,000 | 2,195,000 | 2,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,132,000 | 22,746,000 | 23,435,000 | 23,926,000 |
| Total capital | 24,212,000 | 24,917,000 | 25,935,000 | 26,429,000 |
| Risk-weighted assets | 238,443,000 | 243,104,000 | 241,957,000 | 249,351,000 |