Call reports 2004
SAVINGS BANK AND TRUST, THE — 2004
What SAVINGS BANK AND TRUST, 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 |
|---|---|---|---|
| Total assets | 378,567,000 | 373,860,000 | 376,853,000 |
| Total loans | 178,056,000 | 175,722,000 | 171,291,000 |
| Allowance for loan losses | 2,766,000 | 2,732,000 | 2,099,000 |
| Securities available for sale | 144,318,000 | 148,164,000 | 147,244,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 301,884,000 | 304,545,000 | 299,324,000 |
| Interest-bearing deposits | 258,307,000 | 256,611,000 | 254,215,000 |
| Noninterest-bearing deposits | 43,577,000 | 47,934,000 | 45,109,000 |
| Equity capital | 58,203,000 | 56,685,000 | 58,051,000 |
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 |
|---|---|---|---|
| Interest income | 4,025,000 | 8,080,000 | 11,950,000 |
| Interest expense | 767,000 | 1,479,000 | 2,607,000 |
| Net interest income | 3,258,000 | 6,601,000 | 9,343,000 |
| Noninterest income | 681,000 | 1,386,000 | 2,090,000 |
| Noninterest expense | 2,761,000 | 5,537,000 | 8,783,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 |
| Pretax income | 1,192,000 | 2,482,000 | 2,681,000 |
| Income tax | 317,000 | 653,000 | 636,000 |
| Net income | 875,000 | 1,829,000 | 2,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 27,328,000 | 27,969,000 | 28,701,000 |
| Total capital | 29,953,000 | 30,565,000 | 30,800,000 |
| Risk-weighted assets | 209,826,000 | 207,395,000 | 205,251,000 |
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