Call reports 2004
SAWYER SAVINGS BANK — 2004
What SAWYER SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 152,141,000 | 154,674,000 | 153,313,000 | 151,909,000 |
| Total loans | 67,277,000 | 67,986,000 | 66,736,000 | 68,547,000 |
| Allowance for loan losses | 884,000 | 870,000 | 859,000 | 854,000 |
| Securities available for sale | 76,990,000 | 81,067,000 | 80,486,000 | 78,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,726,000 | 112,041,000 | 110,066,000 | 106,823,000 |
| Interest-bearing deposits | 103,007,000 | 104,015,000 | 101,287,000 | 99,837,000 |
| Noninterest-bearing deposits | 7,719,000 | 8,026,000 | 8,779,000 | 6,986,000 |
| Equity capital | 13,620,000 | 12,824,000 | 13,861,000 | 13,839,000 |
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 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,900,000 | 3,770,000 | 5,641,000 | 7,518,000 |
| Interest expense | 748,000 | 1,414,000 | 2,096,000 | 2,801,000 |
| Net interest income | 1,152,000 | 2,356,000 | 3,545,000 | 4,717,000 |
| Noninterest income | 222,000 | 335,000 | 453,000 | 588,000 |
| Noninterest expense | 1,106,000 | 2,155,000 | 3,137,000 | 4,153,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 308,000 | 564,000 | 900,000 | 1,179,000 |
| Income tax | 58,000 | 95,000 | 140,000 | 169,000 |
| Net income | 250,000 | 469,000 | 760,000 | 1,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,890,000 | 13,112,000 | 13,404,000 | 13,658,000 |
| Total capital | 13,766,000 | 13,982,000 | 14,263,000 | 14,512,000 |
| Risk-weighted assets | 70,056,000 | 70,903,000 | 71,507,000 | 74,281,000 |