Call reports 2007
BANK OF SPRINGFIELD — 2007
What BANK OF SPRINGFIELD reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 442,430,000 | 441,398,000 | 435,285,000 | 461,480,000 |
| Total loans | 368,251,000 | 373,724,000 | 371,872,000 | 395,616,000 |
| Allowance for loan losses | 2,675,000 | 2,725,000 | 2,790,000 | 3,145,000 |
| Securities available for sale | 6,038,000 | 5,852,000 | 16,843,000 | 15,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,504,000 | 378,277,000 | 368,302,000 | 379,696,000 |
| Interest-bearing deposits | 329,823,000 | 328,537,000 | 323,228,000 | 327,635,000 |
| Noninterest-bearing deposits | 48,681,000 | 49,739,000 | 45,074,000 | 52,061,000 |
| Equity capital | 37,586,000 | 38,131,000 | 38,383,000 | 42,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,967,000 | 14,241,000 | 21,478,000 | 28,808,000 |
| Interest expense | 3,283,000 | 6,761,000 | 10,135,000 | 13,562,000 |
| Net interest income | 3,684,000 | 7,480,000 | 11,343,000 | 15,246,000 |
| Noninterest income | 790,000 | 1,689,000 | 2,716,000 | 4,368,000 |
| Noninterest expense | 3,269,000 | 6,929,000 | 10,683,000 | 14,459,000 |
| Provision for loan losses | 3,838,000 | 3,838,000 | 3,838,000 | 4,388,000 |
| Pretax income | -2,633,000 | -1,598,000 | -462,000 | 795,000 |
| Income tax | -1,019,000 | -636,000 | -311,000 | 165,000 |
| Net income | -1,614,000 | -962,000 | -151,000 | 630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,637,000 | 38,288,000 | 38,498,000 | 42,360,000 |
| Total capital | 40,312,000 | 41,013,000 | 41,288,000 | 45,505,000 |
| Risk-weighted assets | 385,848,000 | 388,985,000 | 405,521,000 | 426,476,000 |