Call reports 2003
TORRINGTON SAVINGS BANK, THE — 2003
What TORRINGTON SAVINGS BANK, 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 | 622,830,000 | 632,387,000 | 626,002,000 | 612,447,000 |
| Total loans | 337,388,000 | 315,505,000 | 297,375,000 | 289,919,000 |
| Allowance for loan losses | 3,534,000 | 3,534,000 | 3,534,000 | 3,534,000 |
| Securities available for sale | 187,817,000 | 199,533,000 | 213,746,000 | 224,813,000 |
| Securities held to maturity | 40,042,000 | 50,183,000 | 60,626,000 | 40,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 533,791,000 | 542,735,000 | 535,760,000 | 520,728,000 |
| Interest-bearing deposits | 525,378,000 | 531,439,000 | 521,274,000 | 509,984,000 |
| Noninterest-bearing deposits | 8,413,000 | 11,296,000 | 14,486,000 | 10,744,000 |
| Equity capital | 87,043,000 | 88,748,000 | 89,257,000 | 90,637,000 |
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 | 7,701,000 | 14,976,000 | 21,601,000 | 27,813,000 |
| Interest expense | 3,094,000 | 5,984,000 | 8,294,000 | 10,451,000 |
| Net interest income | 4,607,000 | 8,992,000 | 13,307,000 | 17,362,000 |
| Noninterest income | 157,000 | 322,000 | 460,000 | 643,000 |
| Noninterest expense | 1,643,000 | 3,197,000 | 4,817,000 | 6,515,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,121,000 | 6,117,000 | 8,950,000 | 11,490,000 |
| Income tax | 1,261,000 | 2,471,000 | 3,616,000 | 4,642,000 |
| Net income | 1,860,000 | 3,646,000 | 5,334,000 | 6,848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,805,000 | 87,591,000 | 89,279,000 | 90,793,000 |
| Total capital | 88,411,000 | 90,058,000 | 91,668,000 | 93,149,000 |
| Risk-weighted assets | 207,591,000 | 196,310,000 | 189,965,000 | 187,310,000 |