Call reports 2003
SAVINGS BANK OF MANCHESTER, THE — 2003
What SAVINGS BANK OF MANCHESTER, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 2,561,738,000 | 2,627,072,000 | 2,565,568,000 | 2,551,658,000 |
| Total loans | 1,608,133,000 | 1,665,156,000 | 1,694,850,000 | 1,687,214,000 |
| Allowance for loan losses | 16,314,000 | 16,354,000 | 16,487,000 | 16,543,000 |
| Securities available for sale | 778,126,000 | 787,097,000 | 694,511,000 | 697,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,617,004,000 | 1,662,105,000 | 1,620,239,000 | 1,638,799,000 |
| Interest-bearing deposits | 1,550,900,000 | 1,587,807,000 | 1,551,550,000 | 1,573,355,000 |
| Noninterest-bearing deposits | 66,104,000 | 74,298,000 | 68,689,000 | 65,444,000 |
| Equity capital | 238,118,000 | 233,164,000 | 235,717,000 | 210,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 33,749,000 | 66,699,000 | 98,662,000 | 129,931,000 |
| Interest expense | 12,754,000 | 24,901,000 | 36,662,000 | 48,108,000 |
| Net interest income | 20,995,000 | 41,798,000 | 62,000,000 | 81,823,000 |
| Noninterest income | 4,250,000 | 8,904,000 | 13,627,000 | 18,399,000 |
| Noninterest expense | 12,925,000 | 25,845,000 | 38,837,000 | 52,516,000 |
| Provision for loan losses | 375,000 | 675,000 | 975,000 | 1,275,000 |
| Pretax income | 12,630,000 | 25,427,000 | 41,009,000 | 51,690,000 |
| Income tax | 4,168,000 | 8,391,000 | 13,611,000 | 17,751,000 |
| Net income | 8,462,000 | 17,036,000 | 27,398,000 | 33,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 196,910,000 | 190,893,000 | 201,615,000 | 180,845,000 |
| Total capital | 213,224,000 | 207,247,000 | 218,102,000 | 197,388,000 |
| Risk-weighted assets | 1,654,180,000 | 1,696,091,000 | 1,703,757,000 | 1,639,885,000 |