Call reports 2002
SAVINGS INSTITUTE BANK AND TRUST COMPANY — 2002
What SAVINGS INSTITUTE BANK AND TRUST COMPANY 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 | 430,967,000 | 449,387,000 | 464,139,000 | 477,882,000 |
| Total loans | 305,499,000 | 309,703,000 | 322,101,000 | 339,510,000 |
| Allowance for loan losses | 2,907,000 | 2,943,000 | 3,067,000 | 3,067,000 |
| Securities available for sale | 87,509,000 | 100,235,000 | 87,868,000 | 86,587,000 |
| Securities held to maturity | 10,497,000 | 9,649,000 | 12,252,000 | 9,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,022,000 | 379,149,000 | 383,549,000 | 398,345,000 |
| Interest-bearing deposits | 333,164,000 | 344,133,000 | 350,317,000 | 360,691,000 |
| Noninterest-bearing deposits | 31,858,000 | 35,016,000 | 33,232,000 | 37,654,000 |
| Equity capital | 28,014,000 | 29,275,000 | 31,307,000 | 32,010,000 |
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 | 6,901,000 | 13,780,000 | 20,898,000 | 28,117,000 |
| Interest expense | 2,794,000 | 5,421,000 | 8,070,000 | 10,714,000 |
| Net interest income | 4,107,000 | 8,359,000 | 12,828,000 | 17,403,000 |
| Noninterest income | 884,000 | 1,726,000 | 2,628,000 | 3,597,000 |
| Noninterest expense | 3,742,000 | 7,482,000 | 11,286,000 | 15,217,000 |
| Provision for loan losses | 87,000 | 202,000 | 397,000 | 537,000 |
| Pretax income | 1,111,000 | 2,279,000 | 3,598,000 | 4,851,000 |
| Income tax | 378,000 | 775,000 | 1,223,000 | 1,649,000 |
| Net income | 733,000 | 1,504,000 | 2,375,000 | 3,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,075,000 | 27,810,000 | 29,715,000 | 30,321,000 |
| Total capital | 30,000,000 | 30,771,000 | 32,800,000 | 33,406,000 |
| Risk-weighted assets | 252,450,000 | 269,080,000 | 268,533,000 | 275,663,000 |
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