Call reports 2006
BANK OF SPRINGFIELD — 2006
What BANK OF SPRINGFIELD reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 428,232,000 | 432,596,000 | 402,903,000 | 420,034,000 |
| Total loans | 349,705,000 | 352,335,000 | 357,307,000 | 368,903,000 |
| Allowance for loan losses | 3,915,000 | 3,681,000 | 3,201,000 | 3,311,000 |
| Securities available for sale | 4,771,000 | 4,695,000 | 4,749,000 | 4,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,613,000 | 368,705,000 | 338,484,000 | 357,512,000 |
| Interest-bearing deposits | 314,297,000 | 317,016,000 | 294,267,000 | 307,488,000 |
| Noninterest-bearing deposits | 52,316,000 | 51,689,000 | 44,217,000 | 50,024,000 |
| Equity capital | 36,081,000 | 36,771,000 | 37,424,000 | 37,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,976,000 | 12,449,000 | 19,084,000 | 25,838,000 |
| Interest expense | 2,414,000 | 5,085,000 | 7,948,000 | 11,017,000 |
| Net interest income | 3,562,000 | 7,364,000 | 11,136,000 | 14,821,000 |
| Noninterest income | 845,000 | 1,822,000 | 2,825,000 | 3,668,000 |
| Noninterest expense | 3,096,000 | 6,311,000 | 9,531,000 | 13,271,000 |
| Provision for loan losses | 190,000 | 330,000 | 370,000 | 510,000 |
| Pretax income | 1,121,000 | 2,545,000 | 4,060,000 | 4,708,000 |
| Income tax | 429,000 | 964,000 | 1,538,000 | 1,777,000 |
| Net income | 692,000 | 1,581,000 | 2,522,000 | 2,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,144,000 | 36,871,000 | 37,482,000 | 37,596,000 |
| Total capital | 40,059,000 | 40,552,000 | 40,683,000 | 40,907,000 |
| Risk-weighted assets | 376,156,000 | 374,141,000 | 380,677,000 | 388,230,000 |