Call reports 2003
SAWYER SAVINGS BANK — 2003
What SAWYER 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 | 154,655,000 | 157,285,000 | 152,326,000 | 149,276,000 |
| Total loans | 77,032,000 | 76,545,000 | 76,376,000 | 74,514,000 |
| Allowance for loan losses | 1,003,000 | 950,000 | 943,000 | 884,000 |
| Securities available for sale | 71,767,000 | 74,781,000 | 69,594,000 | 68,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,484,000 | 115,185,000 | 114,026,000 | 112,439,000 |
| Interest-bearing deposits | 104,436,000 | 105,960,000 | 104,991,000 | 104,808,000 |
| Noninterest-bearing deposits | 8,048,000 | 9,225,000 | 9,035,000 | 7,631,000 |
| Equity capital | 12,757,000 | 13,080,000 | 12,609,000 | 13,085,000 |
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 | 2,053,000 | 4,076,000 | 5,948,000 | 7,647,000 |
| Interest expense | 944,000 | 1,883,000 | 2,727,000 | 3,511,000 |
| Net interest income | 1,109,000 | 2,193,000 | 3,221,000 | 4,136,000 |
| Noninterest income | 268,000 | 435,000 | 576,000 | 781,000 |
| Noninterest expense | 1,088,000 | 2,162,000 | 3,292,000 | 4,344,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 0 |
| Pretax income | 275,000 | 455,000 | 592,000 | 780,000 |
| Income tax | 60,000 | 80,000 | 74,000 | 70,000 |
| Net income | 215,000 | 375,000 | 518,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,144,000 | 12,305,000 | 12,450,000 | 12,643,000 |
| Total capital | 13,108,000 | 13,255,000 | 13,393,000 | 13,527,000 |
| Risk-weighted assets | 77,067,000 | 79,268,000 | 92,362,000 | 84,108,000 |