Call reports 2003
BREDA SAVINGS BANK — 2003
What BREDA 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 | 22,915,000 | 23,146,000 | 23,350,000 | 23,285,000 |
| Total loans | 12,235,000 | 12,236,000 | 13,011,000 | 12,041,000 |
| Allowance for loan losses | 470,000 | 471,000 | 459,000 | 460,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,896,000 | 9,410,000 | 9,631,000 | 9,910,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,551,000 | 17,745,000 | 17,833,000 | 17,892,000 |
| Interest-bearing deposits | 13,965,000 | 14,432,000 | 14,285,000 | 13,784,000 |
| Noninterest-bearing deposits | 3,586,000 | 3,313,000 | 3,548,000 | 4,108,000 |
| Equity capital | 5,175,000 | 5,219,000 | 5,311,000 | 5,211,000 |
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 | 316,000 | 606,000 | 881,000 | 1,133,000 |
| Interest expense | 74,000 | 143,000 | 205,000 | 260,000 |
| Net interest income | 242,000 | 463,000 | 676,000 | 873,000 |
| Noninterest income | 29,000 | 53,000 | 77,000 | 106,000 |
| Noninterest expense | 207,000 | 380,000 | 560,000 | 907,000 |
| Provision for loan losses | 0 | 0 | -50,000 | -50,000 |
| Pretax income | 64,000 | 136,000 | 243,000 | 122,000 |
| Income tax | 15,000 | 43,000 | 58,000 | 22,000 |
| Net income | 49,000 | 93,000 | 185,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,175,000 | 5,219,000 | 5,311,000 | 5,211,000 |
| Total capital | 5,330,000 | 5,373,000 | 5,476,000 | 5,366,000 |
| Risk-weighted assets | 12,068,000 | 11,995,000 | 12,942,000 | 12,084,000 |
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