Call reports 2009
BANK OF SPRINGFIELD — 2009
What BANK OF SPRINGFIELD reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 565,693,000 | 565,740,000 | 557,850,000 | 576,281,000 |
| Total loans | 477,619,000 | 477,222,000 | 493,940,000 | 502,768,000 |
| Allowance for loan losses | 4,584,000 | 5,286,000 | 5,033,000 | 5,555,000 |
| Securities available for sale | 17,120,000 | 16,933,000 | 6,900,000 | 6,129,000 |
| Securities held to maturity | 0 | 4,000,000 | 6,031,000 | 6,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,630,000 | 484,043,000 | 477,633,000 | 494,834,000 |
| Interest-bearing deposits | 406,097,000 | 405,858,000 | 400,900,000 | 405,109,000 |
| Noninterest-bearing deposits | 83,533,000 | 78,186,000 | 76,732,000 | 89,725,000 |
| Equity capital | 47,635,000 | 48,126,000 | 48,842,000 | 49,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,746,000 | 13,877,000 | 20,947,000 | 28,344,000 |
| Interest expense | 2,465,000 | 4,780,000 | 6,993,000 | 9,037,000 |
| Net interest income | 4,281,000 | 9,097,000 | 13,954,000 | 19,307,000 |
| Noninterest income | 3,520,000 | 6,393,000 | 8,109,000 | 10,162,000 |
| Noninterest expense | 4,827,000 | 9,846,000 | 14,611,000 | 19,492,000 |
| Provision for loan losses | 445,000 | 1,145,000 | 1,390,000 | 2,465,000 |
| Pretax income | 2,550,000 | 4,520,000 | 6,077,000 | 7,527,000 |
| Income tax | 949,000 | 1,600,000 | 2,179,000 | 2,672,000 |
| Net income | 1,601,000 | 2,920,000 | 3,898,000 | 4,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,432,000 | 47,619,000 | 48,329,000 | 48,994,000 |
| Total capital | 52,016,000 | 52,905,000 | 53,362,000 | 54,549,000 |
| Risk-weighted assets | 513,718,000 | 525,217,000 | 526,211,000 | 534,074,000 |