Call reports 2008
BANK OF SPRINGFIELD — 2008
What BANK OF SPRINGFIELD reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 480,651,000 | 480,418,000 | 492,180,000 | 533,469,000 |
| Total loans | 405,336,000 | 420,985,000 | 421,130,000 | 460,191,000 |
| Allowance for loan losses | 3,369,000 | 3,445,000 | 4,514,000 | 4,493,000 |
| Securities available for sale | 15,875,000 | 16,511,000 | 16,453,000 | 15,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,917,000 | 406,434,000 | 419,329,000 | 460,003,000 |
| Interest-bearing deposits | 355,667,000 | 351,143,000 | 370,845,000 | 403,235,000 |
| Noninterest-bearing deposits | 48,251,000 | 55,291,000 | 48,484,000 | 56,768,000 |
| Equity capital | 43,105,000 | 43,211,000 | 45,119,000 | 45,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,090,000 | 13,763,000 | 20,343,000 | 27,053,000 |
| Interest expense | 3,069,000 | 5,761,000 | 8,354,000 | 10,993,000 |
| Net interest income | 4,021,000 | 8,002,000 | 11,989,000 | 16,060,000 |
| Noninterest income | 2,004,000 | 3,546,000 | 4,956,000 | 6,516,000 |
| Noninterest expense | 4,025,000 | 8,171,000 | 12,650,000 | 17,055,000 |
| Provision for loan losses | 670,000 | 760,000 | -1,382,000 | -1,382,000 |
| Pretax income | 1,330,000 | 2,617,000 | 5,677,000 | 7,069,000 |
| Income tax | 466,000 | 917,000 | 2,057,000 | 2,473,000 |
| Net income | 864,000 | 1,700,000 | 3,620,000 | 4,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,932,000 | 42,960,000 | 44,773,000 | 45,703,000 |
| Total capital | 46,301,000 | 46,405,000 | 49,287,000 | 50,196,000 |
| Risk-weighted assets | 440,210,000 | 455,489,000 | 461,723,000 | 493,878,000 |