Call reports 2003
SAVINGS INSTITUTE BANK AND TRUST COMPANY — 2003
What SAVINGS INSTITUTE BANK AND TRUST COMPANY 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 | 490,405,000 | 509,243,000 | 506,085,000 | 512,133,000 |
| Total loans | 346,334,000 | 363,786,000 | 380,474,000 | 389,404,000 |
| Allowance for loan losses | 3,011,000 | 3,108,000 | 3,379,000 | 2,688,000 |
| Securities available for sale | 85,214,000 | 86,971,000 | 83,196,000 | 76,434,000 |
| Securities held to maturity | 4,039,000 | 1,956,000 | 1,761,000 | 1,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,917,000 | 420,946,000 | 413,712,000 | 417,460,000 |
| Interest-bearing deposits | 367,668,000 | 377,253,000 | 374,760,000 | 377,021,000 |
| Noninterest-bearing deposits | 37,249,000 | 43,693,000 | 38,952,000 | 40,439,000 |
| Equity capital | 32,540,000 | 33,292,000 | 35,115,000 | 35,566,000 |
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 | 6,935,000 | 13,962,000 | 21,044,000 | 27,687,000 |
| Interest expense | 2,360,000 | 4,650,000 | 6,856,000 | 8,987,000 |
| Net interest income | 4,575,000 | 9,312,000 | 14,188,000 | 18,700,000 |
| Noninterest income | 1,186,000 | 2,288,000 | 3,362,000 | 4,477,000 |
| Noninterest expense | 4,097,000 | 8,212,000 | 12,288,000 | 16,291,000 |
| Provision for loan losses | 175,000 | 1,142,000 | 1,482,000 | 1,602,000 |
| Pretax income | 1,545,000 | 2,359,000 | 3,909,000 | 5,368,000 |
| Income tax | 526,000 | 803,000 | 1,329,000 | 1,805,000 |
| Net income | 1,019,000 | 1,556,000 | 2,580,000 | 3,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,340,000 | 31,985,000 | 34,034,000 | 34,679,000 |
| Total capital | 34,369,000 | 35,248,000 | 37,564,000 | 37,529,000 |
| Risk-weighted assets | 288,108,000 | 300,684,000 | 298,620,000 | 301,503,000 |
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