Call reports 2005
SAWYER SAVINGS BANK — 2005
What SAWYER SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 149,999,000 | 150,991,000 | 151,777,000 | 151,770,000 |
| Total loans | 68,097,000 | 69,918,000 | 77,135,000 | 80,778,000 |
| Allowance for loan losses | 852,000 | 819,000 | 785,000 | 747,000 |
| Securities available for sale | 73,055,000 | 73,138,000 | 68,942,000 | 63,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,315,000 | 107,707,000 | 107,232,000 | 103,609,000 |
| Interest-bearing deposits | 97,452,000 | 98,941,000 | 97,110,000 | 95,159,000 |
| Noninterest-bearing deposits | 7,863,000 | 8,766,000 | 10,122,000 | 8,450,000 |
| Equity capital | 13,539,000 | 14,069,000 | 14,064,000 | 13,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,856,000 | 3,709,000 | 5,640,000 | 7,620,000 |
| Interest expense | 755,000 | 1,523,000 | 2,337,000 | 3,209,000 |
| Net interest income | 1,101,000 | 2,186,000 | 3,303,000 | 4,411,000 |
| Noninterest income | 119,000 | 235,000 | 390,000 | 555,000 |
| Noninterest expense | 1,091,000 | 2,094,000 | 3,172,000 | 4,286,000 |
| Provision for loan losses | 0 | -30,000 | -60,000 | -90,000 |
| Pretax income | 124,000 | 493,000 | 897,000 | 1,131,000 |
| Income tax | -26,000 | 50,000 | 130,000 | 161,000 |
| Net income | 150,000 | 443,000 | 767,000 | 970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,810,000 | 14,105,000 | 14,432,000 | 14,635,000 |
| Total capital | 14,662,000 | 14,924,000 | 15,217,000 | 15,382,000 |
| Risk-weighted assets | 71,051,000 | 71,593,000 | 80,923,000 | 81,739,000 |