Call reports 2004
TORRINGTON SAVINGS BANK, THE — 2004
What TORRINGTON SAVINGS BANK, THE 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 | 614,582,000 | 623,146,000 | 619,748,000 | 613,025,000 |
| Total loans | 287,675,000 | 300,626,000 | 316,935,000 | 323,829,000 |
| Allowance for loan losses | 3,534,000 | 3,534,000 | 3,534,000 | 3,530,000 |
| Securities available for sale | 227,860,000 | 234,748,000 | 202,851,000 | 188,707,000 |
| Securities held to maturity | 35,403,000 | 35,721,000 | 50,966,000 | 70,726,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 520,845,000 | 530,627,000 | 524,242,000 | 515,949,000 |
| Interest-bearing deposits | 511,153,000 | 517,394,000 | 512,881,000 | 506,267,000 |
| Noninterest-bearing deposits | 9,692,000 | 13,233,000 | 11,361,000 | 9,682,000 |
| Equity capital | 92,272,000 | 91,611,000 | 94,415,000 | 95,948,000 |
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 | 5,836,000 | 11,658,000 | 17,617,000 | 23,844,000 |
| Interest expense | 2,090,000 | 4,207,000 | 6,338,000 | 8,522,000 |
| Net interest income | 3,746,000 | 7,451,000 | 11,279,000 | 15,322,000 |
| Noninterest income | 203,000 | 415,000 | 623,000 | 840,000 |
| Noninterest expense | 1,722,000 | 3,397,000 | 5,151,000 | 6,815,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,227,000 | 4,469,000 | 6,751,000 | 9,347,000 |
| Income tax | 908,000 | 1,822,000 | 2,753,000 | 3,811,000 |
| Net income | 1,319,000 | 2,647,000 | 3,998,000 | 5,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,112,000 | 93,439,000 | 94,791,000 | 96,329,000 |
| Total capital | 94,472,000 | 95,899,000 | 97,315,000 | 98,850,000 |
| Risk-weighted assets | 187,768,000 | 196,077,000 | 200,941,000 | 200,695,000 |