Call reports 2004
NORWAY SAVINGS BANK — 2004
What NORWAY SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 622,799,000 | 655,445,000 | 662,505,000 | 681,882,000 |
| Total loans | 469,236,000 | 505,749,000 | 517,426,000 | 539,256,000 |
| Allowance for loan losses | 6,397,000 | 6,390,000 | 6,302,000 | 6,545,000 |
| Securities available for sale | 77,790,000 | 76,095,000 | 75,475,000 | 72,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 500,724,000 | 515,088,000 | 518,805,000 | 534,212,000 |
| Interest-bearing deposits | 431,930,000 | 436,292,000 | 433,600,000 | 450,144,000 |
| Noninterest-bearing deposits | 68,794,000 | 78,796,000 | 85,205,000 | 84,067,000 |
| Equity capital | 65,965,000 | 66,470,000 | 68,156,000 | 70,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,729,000 | 15,567,000 | 24,056,000 | 32,950,000 |
| Interest expense | 1,860,000 | 3,884,000 | 5,967,000 | 8,197,000 |
| Net interest income | 5,869,000 | 11,683,000 | 18,089,000 | 24,753,000 |
| Noninterest income | 998,000 | 1,914,000 | 3,067,000 | 4,038,000 |
| Noninterest expense | 5,458,000 | 10,544,000 | 16,144,000 | 21,771,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 2,506,000 | 4,437,000 | 6,572,000 | 8,303,000 |
| Income tax | 793,000 | 1,378,000 | 2,026,000 | 2,056,000 |
| Net income | 1,713,000 | 3,059,000 | 4,546,000 | 6,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,845,000 | 57,302,000 | 58,898,000 | 60,705,000 |
| Total capital | 62,535,000 | 64,624,000 | 66,298,000 | 68,731,000 |
| Risk-weighted assets | 445,772,000 | 518,277,000 | 531,050,000 | 542,696,000 |
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