Call reports 2002
SAVINGS BANK OF MANCHESTER, THE — 2002
What SAVINGS BANK OF MANCHESTER, 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 | 2,443,000,000 | 2,466,611,000 | 2,501,710,000 | 2,552,362,000 |
| Total loans | 1,472,764,000 | 1,515,956,000 | 1,534,313,000 | 1,556,327,000 |
| Allowance for loan losses | 15,270,000 | 15,325,000 | 15,344,000 | 16,172,000 |
| Securities available for sale | 790,506,000 | 774,604,000 | 793,994,000 | 834,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,633,879,000 | 1,651,887,000 | 1,626,468,000 | 1,637,655,000 |
| Interest-bearing deposits | 1,577,365,000 | 1,589,168,000 | 1,554,513,000 | 1,563,265,000 |
| Noninterest-bearing deposits | 56,514,000 | 62,719,000 | 71,955,000 | 74,390,000 |
| Equity capital | 206,713,000 | 218,228,000 | 226,380,000 | 232,339,000 |
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 | 34,845,000 | 70,173,000 | 105,304,000 | 140,657,000 |
| Interest expense | 16,110,000 | 31,270,000 | 46,020,000 | 59,907,000 |
| Net interest income | 18,735,000 | 38,903,000 | 59,284,000 | 80,750,000 |
| Noninterest income | 3,847,000 | 7,958,000 | 12,166,000 | 16,423,000 |
| Noninterest expense | 14,017,000 | 28,242,000 | 41,785,000 | 54,946,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | 8,768,000 | 18,459,000 | 29,158,000 | 41,211,000 |
| Income tax | 2,841,000 | 5,981,000 | 9,934,000 | 13,912,000 |
| Net income | 5,927,000 | 12,478,000 | 19,224,000 | 27,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,096,000 | 171,654,000 | 179,854,000 | 188,040,000 |
| Total capital | 179,366,000 | 186,979,000 | 195,198,000 | 204,212,000 |
| Risk-weighted assets | 1,631,548,000 | 1,606,348,000 | 1,628,445,000 | 1,597,972,000 |