Call reports 2005
BANK OF SPRINGFIELD — 2005
What BANK OF SPRINGFIELD reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 375,593,000 | 413,718,000 | 406,648,000 | 404,342,000 |
| Total loans | 332,812,000 | 343,147,000 | 351,415,000 | 347,113,000 |
| Allowance for loan losses | 3,758,000 | 3,886,000 | 3,587,000 | 3,948,000 |
| Securities available for sale | 871,000 | 865,000 | 2,840,000 | 4,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,475,000 | 354,646,000 | 345,936,000 | 342,172,000 |
| Interest-bearing deposits | 276,856,000 | 307,004,000 | 300,125,000 | 295,068,000 |
| Noninterest-bearing deposits | 44,619,000 | 47,642,000 | 45,811,000 | 47,104,000 |
| Equity capital | 31,546,000 | 34,025,000 | 35,718,000 | 35,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,020,000 | 10,477,000 | 16,259,000 | 22,184,000 |
| Interest expense | 1,630,000 | 3,453,000 | 5,562,000 | 7,830,000 |
| Net interest income | 3,390,000 | 7,024,000 | 10,697,000 | 14,354,000 |
| Noninterest income | 987,000 | 1,991,000 | 3,449,000 | 4,338,000 |
| Noninterest expense | 2,586,000 | 5,434,000 | 8,388,000 | 12,175,000 |
| Provision for loan losses | 140,000 | 320,000 | 1,665,000 | 2,248,000 |
| Pretax income | 1,651,000 | 3,261,000 | 4,093,000 | 4,269,000 |
| Income tax | 627,000 | 1,259,000 | 1,367,000 | 1,425,000 |
| Net income | 1,024,000 | 2,002,000 | 2,726,000 | 2,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,551,000 | 34,030,000 | 35,754,000 | 35,384,000 |
| Total capital | 35,308,000 | 37,916,000 | 39,341,000 | 39,332,000 |
| Risk-weighted assets | 343,883,000 | 360,890,000 | 371,120,000 | 371,318,000 |