Call reports 2002
CLYDE SAVINGS BANK COMPANY, THE — 2002
What CLYDE SAVINGS BANK COMPANY, 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 | 92,233,000 | 93,702,000 | 91,538,000 | 88,134,000 |
| Total loans | 77,192,000 | 78,203,000 | 76,422,000 | 74,125,000 |
| Allowance for loan losses | 1,114,000 | 1,145,000 | 1,153,000 | 1,157,000 |
| Securities available for sale | 9,781,000 | 9,477,000 | 8,993,000 | 10,140,000 |
| Securities held to maturity | 20,000 | 17,000 | 15,000 | 13,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,510,000 | 76,491,000 | 75,313,000 | 71,078,000 |
| Interest-bearing deposits | 69,869,000 | 68,073,000 | 67,435,000 | 62,555,000 |
| Noninterest-bearing deposits | 6,641,000 | 8,418,000 | 7,878,000 | 8,523,000 |
| Equity capital | 7,866,000 | 7,930,000 | 8,046,000 | 8,083,000 |
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 | 1,748,000 | 3,491,000 | 5,174,000 | 6,660,000 |
| Interest expense | 639,000 | 1,261,000 | 1,881,000 | 2,419,000 |
| Net interest income | 1,109,000 | 2,230,000 | 3,293,000 | 4,241,000 |
| Noninterest income | 158,000 | 342,000 | 579,000 | 833,000 |
| Noninterest expense | 688,000 | 1,429,000 | 2,084,000 | 2,774,000 |
| Provision for loan losses | 41,000 | 80,000 | 115,000 | 130,000 |
| Pretax income | 538,000 | 1,063,000 | 1,673,000 | 2,170,000 |
| Income tax | 184,000 | 363,000 | 573,000 | 727,000 |
| Net income | 354,000 | 700,000 | 1,100,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,766,000 | 7,761,000 | 7,826,000 | 7,870,000 |
| Total capital | 8,743,000 | 8,739,000 | 8,783,000 | 8,802,000 |
| Risk-weighted assets | 78,539,000 | 78,038,000 | 76,384,000 | 74,116,000 |