Call reports 2003
BANK OF SPRINGFIELD — 2003
What BANK OF SPRINGFIELD reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 314,854,000 | 329,317,000 | 327,531,000 | 327,083,000 |
| Total loans | 271,849,000 | 283,537,000 | 285,935,000 | 291,185,000 |
| Allowance for loan losses | 2,806,000 | 3,138,000 | 3,528,000 | 3,426,000 |
| Securities available for sale | 1,143,000 | 1,125,000 | 1,107,000 | 1,073,000 |
| Securities held to maturity | 100,000 | 100,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,308,000 | 292,296,000 | 285,731,000 | 281,019,000 |
| Interest-bearing deposits | 245,504,000 | 255,057,000 | 244,345,000 | 240,722,000 |
| Noninterest-bearing deposits | 32,804,000 | 37,239,000 | 41,385,000 | 40,297,000 |
| Equity capital | 24,963,000 | 26,005,000 | 26,892,000 | 27,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,456,000 | 8,678,000 | 12,936,000 | 17,069,000 |
| Interest expense | 1,623,000 | 3,222,000 | 4,658,000 | 6,015,000 |
| Net interest income | 2,833,000 | 5,456,000 | 8,278,000 | 11,054,000 |
| Noninterest income | 1,953,000 | 4,276,000 | 6,572,000 | 7,624,000 |
| Noninterest expense | 2,398,000 | 5,030,000 | 7,977,000 | 10,840,000 |
| Provision for loan losses | 605,000 | 1,025,000 | 1,425,000 | 1,505,000 |
| Pretax income | 1,783,000 | 3,677,000 | 5,448,000 | 6,333,000 |
| Income tax | 689,000 | 1,494,000 | 2,182,000 | 2,510,000 |
| Net income | 1,094,000 | 2,183,000 | 3,266,000 | 3,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,901,000 | 26,011,000 | 26,899,000 | 27,456,000 |
| Total capital | 27,707,000 | 29,149,000 | 30,397,000 | 30,882,000 |
| Risk-weighted assets | 260,953,000 | 275,886,000 | 279,825,000 | 291,777,000 |