Call reports 2003
MUTUAL SAVINGS BANK — 2003
What MUTUAL SAVINGS BANK 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 | 100,325,000 | 102,643,000 | 105,357,000 | 106,586,000 |
| Total loans | 86,332,000 | 92,967,000 | 96,786,000 | 97,995,000 |
| Allowance for loan losses | 870,000 | 861,000 | 853,000 | 1,054,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,178,000 | 3,183,000 | 1,560,000 | 688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,745,000 | 78,932,000 | 78,895,000 | 78,816,000 |
| Interest-bearing deposits | 74,417,000 | 73,035,000 | 72,571,000 | 72,029,000 |
| Noninterest-bearing deposits | 5,328,000 | 5,897,000 | 6,324,000 | 6,787,000 |
| Equity capital | 7,707,000 | 7,879,000 | 8,026,000 | 8,040,000 |
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 | 1,521,000 | 3,074,000 | 4,617,000 | 6,155,000 |
| Interest expense | 493,000 | 994,000 | 1,474,000 | 1,956,000 |
| Net interest income | 1,028,000 | 2,080,000 | 3,143,000 | 4,199,000 |
| Noninterest income | 116,000 | 268,000 | 433,000 | 581,000 |
| Noninterest expense | 906,000 | 1,860,000 | 2,863,000 | 3,829,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 238,000 | 488,000 | 713,000 | 751,000 |
| Income tax | 76,000 | 154,000 | 232,000 | 256,000 |
| Net income | 162,000 | 334,000 | 481,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,707,000 | 7,879,000 | 8,026,000 | 8,040,000 |
| Total capital | 8,571,000 | 8,740,000 | 8,879,000 | 8,991,000 |
| Risk-weighted assets | 69,094,000 | 71,746,000 | 73,346,000 | 75,956,000 |
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