Call reports 2015
BANK OF SPRINGFIELD — 2015
What BANK OF SPRINGFIELD reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 841,000,000 | 868,119,000 | 838,799,000 | 871,113,000 |
| Total loans | 693,693,000 | 742,971,000 | 741,855,000 | 765,079,000 |
| Allowance for loan losses | 7,304,000 | 8,052,000 | 7,629,000 | 7,671,000 |
| Securities available for sale | 66,110,000 | 48,898,000 | 33,737,000 | 36,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 724,968,000 | 740,463,000 | 708,890,000 | 752,345,000 |
| Interest-bearing deposits | 610,666,000 | 618,388,000 | 584,197,000 | 613,202,000 |
| Noninterest-bearing deposits | 114,302,000 | 122,075,000 | 124,693,000 | 139,143,000 |
| Equity capital | 69,670,000 | 73,595,000 | 74,567,000 | 74,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,723,000 | 16,087,000 | 24,289,000 | 32,554,000 |
| Interest expense | 987,000 | 1,948,000 | 2,830,000 | 3,659,000 |
| Net interest income | 6,736,000 | 14,139,000 | 21,459,000 | 28,895,000 |
| Noninterest income | 2,656,000 | 5,448,000 | 8,648,000 | 11,251,000 |
| Noninterest expense | 7,435,000 | 15,112,000 | 23,219,000 | 31,355,000 |
| Provision for loan losses | 625,000 | 1,375,000 | 2,075,000 | 2,575,000 |
| Pretax income | 1,652,000 | 3,659,000 | 5,410,000 | 6,813,000 |
| Income tax | 643,000 | 1,427,000 | 2,111,000 | 2,680,000 |
| Net income | 1,009,000 | 2,232,000 | 3,299,000 | 4,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,050,000 | 73,176,000 | 74,194,000 | 74,412,000 |
| Total capital | 76,354,000 | 81,228,000 | 81,823,000 | 82,083,000 |
| Risk-weighted assets | 752,220,000 | 802,423,000 | 794,454,000 | 810,632,000 |