Call reports 2004
BANK OF SPRINGFIELD — 2004
What BANK OF SPRINGFIELD reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 346,840,000 | 371,322,000 | 361,212,000 | 372,971,000 |
| Total loans | 292,141,000 | 304,205,000 | 313,179,000 | 325,963,000 |
| Allowance for loan losses | 3,536,000 | 3,578,000 | 3,596,000 | 3,635,000 |
| Securities available for sale | 1,060,000 | 6,045,000 | 1,037,000 | 1,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,908,000 | 323,373,000 | 309,902,000 | 322,322,000 |
| Interest-bearing deposits | 257,078,000 | 282,282,000 | 270,190,000 | 278,009,000 |
| Noninterest-bearing deposits | 42,830,000 | 41,090,000 | 39,712,000 | 44,313,000 |
| Equity capital | 28,328,000 | 29,318,000 | 30,094,000 | 30,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,109,000 | 8,428,000 | 13,011,000 | 17,890,000 |
| Interest expense | 1,310,000 | 2,697,000 | 4,167,000 | 5,778,000 |
| Net interest income | 2,799,000 | 5,731,000 | 8,844,000 | 12,112,000 |
| Noninterest income | 983,000 | 2,242,000 | 3,226,000 | 4,215,000 |
| Noninterest expense | 2,233,000 | 4,696,000 | 7,500,000 | 10,663,000 |
| Provision for loan losses | 120,000 | 240,000 | 280,000 | 390,000 |
| Pretax income | 1,429,000 | 3,037,000 | 4,290,000 | 5,274,000 |
| Income tax | 552,000 | 1,169,000 | 1,647,000 | 2,029,000 |
| Net income | 877,000 | 1,868,000 | 2,643,000 | 3,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,293,000 | 29,240,000 | 30,039,000 | 30,486,000 |
| Total capital | 31,819,000 | 32,818,000 | 33,635,000 | 34,121,000 |
| Risk-weighted assets | 293,679,000 | 311,864,000 | 329,010,000 | 335,168,000 |