Call reports 2003
CLYDE SAVINGS BANK COMPANY, THE — 2003
What CLYDE SAVINGS BANK COMPANY, 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 | 89,427,000 | 88,547,000 | 87,386,000 | 88,474,000 |
| Total loans | 72,428,000 | 71,391,000 | 72,934,000 | 73,008,000 |
| Allowance for loan losses | 1,124,000 | 1,178,000 | 1,187,000 | 1,390,000 |
| Securities available for sale | 9,768,000 | 9,211,000 | 9,239,000 | 10,810,000 |
| Securities held to maturity | 11,000 | 10,000 | 8,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,124,000 | 72,652,000 | 69,772,000 | 69,772,000 |
| Interest-bearing deposits | 64,634,000 | 64,028,000 | 62,218,000 | 62,230,000 |
| Noninterest-bearing deposits | 8,491,000 | 8,623,000 | 7,554,000 | 7,542,000 |
| Equity capital | 8,075,000 | 8,050,000 | 7,991,000 | 7,607,000 |
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 | 1,457,000 | 2,900,000 | 4,315,000 | 4,832,000 |
| Interest expense | 434,000 | 819,000 | 1,169,000 | 1,497,000 |
| Net interest income | 1,023,000 | 2,081,000 | 3,146,000 | 3,335,000 |
| Noninterest income | 288,000 | 574,000 | 783,000 | 976,000 |
| Noninterest expense | 731,000 | 1,476,000 | 2,188,000 | 2,878,000 |
| Provision for loan losses | 30,000 | 53,000 | 68,000 | 293,000 |
| Pretax income | 550,000 | 1,126,000 | 1,669,000 | 1,136,000 |
| Income tax | 185,000 | 379,000 | 561,000 | 377,000 |
| Net income | 365,000 | 747,000 | 1,108,000 | 759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,885,000 | 7,869,000 | 7,861,000 | 7,525,000 |
| Total capital | 8,814,000 | 8,804,000 | 8,800,000 | 8,461,000 |
| Risk-weighted assets | 74,098,000 | 74,327,000 | 74,771,000 | 74,403,000 |
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