Call reports 2019
BANK OF SPRINGFIELD — 2019
What BANK OF SPRINGFIELD reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,007,838,000 | 1,025,883,000 | 1,055,036,000 | 1,040,288,000 |
| Total loans | 837,567,000 | 860,969,000 | 861,321,000 | 848,121,000 |
| Allowance for loan losses | 7,742,000 | 9,320,000 | 10,724,000 | 11,352,000 |
| Securities available for sale | 63,120,000 | 63,528,000 | 61,870,000 | 61,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 838,289,000 | 862,271,000 | 892,324,000 | 874,484,000 |
| Interest-bearing deposits | 675,207,000 | 707,486,000 | 740,165,000 | 719,577,000 |
| Noninterest-bearing deposits | 163,082,000 | 154,785,000 | 152,159,000 | 154,907,000 |
| Equity capital | 93,692,000 | 95,252,000 | 97,256,000 | 98,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,076,000 | 22,542,000 | 34,479,000 | 46,144,000 |
| Interest expense | 1,920,000 | 3,887,000 | 6,087,000 | 8,285,000 |
| Net interest income | 9,156,000 | 18,655,000 | 28,392,000 | 37,859,000 |
| Noninterest income | 2,983,000 | 7,307,000 | 12,215,000 | 17,468,000 |
| Noninterest expense | 9,293,000 | 19,192,000 | 29,395,000 | 39,779,000 |
| Provision for loan losses | 550,000 | 2,125,000 | 3,525,000 | 5,025,000 |
| Pretax income | 2,296,000 | 4,645,000 | 7,687,000 | 10,523,000 |
| Income tax | 663,000 | 1,349,000 | 2,234,000 | 2,969,000 |
| Net income | 1,633,000 | 3,296,000 | 5,453,000 | 7,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,131,000 | 93,351,000 | 95,274,000 | 96,669,000 |
| Total capital | 99,873,000 | 102,671,000 | 105,999,000 | 107,967,000 |
| Risk-weighted assets | 896,922,000 | 918,606,000 | 914,736,000 | 903,735,000 |