Call reports 2003
SEWICKLEY SAVINGS BANK — 2003
What SEWICKLEY 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 | 231,794,000 | 237,379,000 | 234,119,000 | 238,643,000 |
| Total loans | 40,420,000 | 40,533,000 | 35,837,000 | 35,970,000 |
| Allowance for loan losses | 983,000 | 1,010,000 | 1,015,000 | 1,042,000 |
| Securities available for sale | 91,665,000 | 95,950,000 | 92,905,000 | 90,179,000 |
| Securities held to maturity | 76,815,000 | 79,795,000 | 83,428,000 | 78,413,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,333,000 | 177,496,000 | 176,903,000 | 179,826,000 |
| Interest-bearing deposits | 173,264,000 | 175,317,000 | 176,073,000 | 178,870,000 |
| Noninterest-bearing deposits | 1,069,000 | 2,179,000 | 830,000 | 956,000 |
| Equity capital | 55,777,000 | 57,842,000 | 56,487,000 | 57,865,000 |
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 | 3,072,000 | 6,087,000 | 9,056,000 | 11,842,000 |
| Interest expense | 1,249,000 | 2,355,000 | 3,437,000 | 4,502,000 |
| Net interest income | 1,823,000 | 3,732,000 | 5,619,000 | 7,340,000 |
| Noninterest income | 17,000 | 35,000 | 50,000 | 71,000 |
| Noninterest expense | 526,000 | 1,028,000 | 1,536,000 | 2,218,000 |
| Provision for loan losses | 15,000 | 42,000 | 69,000 | 96,000 |
| Pretax income | 1,199,000 | 2,467,000 | 3,778,000 | 5,065,000 |
| Income tax | 293,000 | 585,000 | 907,000 | 1,248,000 |
| Net income | 906,000 | 1,882,000 | 2,871,000 | 3,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,334,000 | 53,310,000 | 54,299,000 | 55,245,000 |
| Total capital | 53,846,000 | 54,903,000 | 55,809,000 | 56,786,000 |
| Risk-weighted assets | 87,117,000 | 89,114,000 | 89,047,000 | 89,326,000 |