Call reports 2002
READLYN SAVINGS BANK, THE — 2002
What READLYN SAVINGS BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 28,584,000 | 31,484,000 | 31,214,000 | 34,458,000 |
| Total loans | 15,834,000 | 17,979,000 | 17,991,000 | 18,480,000 |
| Allowance for loan losses | 179,000 | 185,000 | 191,000 | 191,000 |
| Securities available for sale | 11,432,000 | 11,565,000 | 11,683,000 | 11,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,651,000 | 22,899,000 | 22,012,000 | 24,313,000 |
| Interest-bearing deposits | 18,503,000 | 20,227,000 | 19,372,000 | 20,966,000 |
| Noninterest-bearing deposits | 2,148,000 | 2,672,000 | 2,640,000 | 3,347,000 |
| Equity capital | 4,087,000 | 4,306,000 | 4,527,000 | 4,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 920,000 | 1,409,000 | 1,889,000 |
| Interest expense | 205,000 | 412,000 | 623,000 | 838,000 |
| Net interest income | 241,000 | 508,000 | 786,000 | 1,051,000 |
| Noninterest income | 20,000 | 46,000 | 72,000 | 96,000 |
| Noninterest expense | 124,000 | 253,000 | 384,000 | 515,000 |
| Provision for loan losses | 0 | 6,000 | 12,000 | 12,000 |
| Pretax income | 137,000 | 316,000 | 535,000 | 703,000 |
| Income tax | 8,000 | 15,000 | 23,000 | 35,000 |
| Net income | 129,000 | 301,000 | 512,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,078,000 | 4,099,000 | 4,260,000 | 4,216,000 |
| Total capital | 4,257,000 | 4,284,000 | 4,451,000 | 4,407,000 |
| Risk-weighted assets | 16,738,000 | 18,437,000 | 18,270,000 | 19,802,000 |
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