Call reports 2002
SAVINGS BANK AND TRUST, THE — 2002
What SAVINGS BANK AND TRUST, 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 | 167,813,000 | 172,522,000 | 171,408,000 | 175,974,000 |
| Total loans | 96,190,000 | 98,905,000 | 98,360,000 | 96,465,000 |
| Allowance for loan losses | 1,509,000 | 1,509,000 | 1,569,000 | 1,566,000 |
| Securities available for sale | 56,461,000 | 62,691,000 | 60,908,000 | 66,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,882,000 | 149,141,000 | 147,599,000 | 152,111,000 |
| Interest-bearing deposits | 129,843,000 | 131,000,000 | 130,767,000 | 133,864,000 |
| Noninterest-bearing deposits | 16,039,000 | 18,141,000 | 16,832,000 | 18,247,000 |
| Equity capital | 14,461,000 | 15,189,000 | 15,981,000 | 13,434,000 |
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 | 2,592,000 | 5,141,000 | 7,689,000 | 10,122,000 |
| Interest expense | 911,000 | 1,818,000 | 2,689,000 | 3,495,000 |
| Net interest income | 1,681,000 | 3,323,000 | 5,000,000 | 6,627,000 |
| Noninterest income | 280,000 | 475,000 | 693,000 | 946,000 |
| Noninterest expense | 1,049,000 | 2,156,000 | 3,217,000 | 4,256,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 852,000 | 1,541,000 | 2,315,000 | 3,156,000 |
| Income tax | 227,000 | 395,000 | 591,000 | 811,000 |
| Net income | 625,000 | 1,146,000 | 1,724,000 | 2,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,906,000 | 13,305,000 | 13,739,000 | 11,116,000 |
| Total capital | 14,146,000 | 14,572,000 | 15,019,000 | 15,403,000 |
| Risk-weighted assets | 98,946,000 | 101,134,000 | 102,500,000 | 102,722,000 |