Call reports 2002
TORRINGTON SAVINGS BANK, THE — 2002
What TORRINGTON 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 | 584,675,000 | 599,715,000 | 614,150,000 | 625,718,000 |
| Total loans | 335,000,000 | 348,403,000 | 352,923,000 | 348,592,000 |
| Allowance for loan losses | 3,496,000 | 3,496,000 | 3,534,000 | 3,534,000 |
| Securities available for sale | 159,122,000 | 143,039,000 | 146,579,000 | 169,929,000 |
| Securities held to maturity | 40,292,000 | 55,204,000 | 60,177,000 | 55,118,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 503,422,000 | 517,100,000 | 529,642,000 | 539,315,000 |
| Interest-bearing deposits | 496,064,000 | 507,677,000 | 520,843,000 | 529,055,000 |
| Noninterest-bearing deposits | 7,358,000 | 9,423,000 | 8,799,000 | 10,260,000 |
| Equity capital | 79,681,000 | 81,880,000 | 83,654,000 | 85,360,000 |
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 | 8,218,000 | 16,244,000 | 24,257,000 | 32,158,000 |
| Interest expense | 4,363,000 | 8,591,000 | 12,800,000 | 16,671,000 |
| Net interest income | 3,855,000 | 7,653,000 | 11,457,000 | 15,487,000 |
| Noninterest income | 148,000 | 299,000 | 448,000 | 582,000 |
| Noninterest expense | 1,458,000 | 2,965,000 | 4,511,000 | 6,078,000 |
| Provision for loan losses | 0 | 0 | 38,000 | 38,000 |
| Pretax income | 2,545,000 | 4,987,000 | 7,356,000 | 9,953,000 |
| Income tax | 985,000 | 1,930,000 | 2,847,000 | 3,852,000 |
| Net income | 1,560,000 | 3,057,000 | 4,509,000 | 6,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,404,000 | 80,901,000 | 82,353,000 | 83,945,000 |
| Total capital | 81,979,000 | 83,550,000 | 85,036,000 | 86,637,000 |
| Risk-weighted assets | 205,060,000 | 211,038,000 | 213,774,000 | 214,551,000 |