Call reports 2004
SAVINGS INSTITUTE BANK AND TRUST COMPANY — 2004
What SAVINGS INSTITUTE BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 531,004,000 | 549,249,000 |
| Total loans | 397,432,000 | 409,852,000 |
| Allowance for loan losses | 2,835,000 | 2,967,000 |
| Securities available for sale | 79,569,000 | 90,672,000 |
| Securities held to maturity | 1,688,000 | 1,643,000 |
| Trading assets | 0 | 0 |
| Total deposits | 425,768,000 | 444,645,000 |
| Interest-bearing deposits | 386,868,000 | 400,835,000 |
| Noninterest-bearing deposits | 38,900,000 | 43,810,000 |
| Equity capital | 36,588,000 | 36,063,000 |
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 |
|---|---|---|
| Interest income | 6,719,000 | 13,557,000 |
| Interest expense | 2,163,000 | 4,381,000 |
| Net interest income | 4,556,000 | 9,176,000 |
| Noninterest income | 992,000 | 1,942,000 |
| Noninterest expense | 4,280,000 | 9,126,000 |
| Provision for loan losses | 150,000 | 300,000 |
| Pretax income | 1,251,000 | 1,878,000 |
| Income tax | 403,000 | 592,000 |
| Net income | 848,000 | 1,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 35,551,000 | 36,015,000 |
| Total capital | 38,550,000 | 39,124,000 |
| Risk-weighted assets | 306,502,000 | 315,889,000 |