Call reports 2004
SEWICKLEY SAVINGS BANK — 2004
What SEWICKLEY 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 | 243,660,000 | 240,895,000 | 252,994,000 | 252,110,000 |
| Total loans | 35,386,000 | 33,687,000 | 31,729,000 | 31,248,000 |
| Allowance for loan losses | 1,042,000 | 1,042,000 | 1,042,000 | 1,042,000 |
| Securities available for sale | 88,331,000 | 82,291,000 | 82,483,000 | 81,793,000 |
| Securities held to maturity | 77,342,000 | 77,188,000 | 85,911,000 | 88,754,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,457,000 | 181,950,000 | 191,593,000 | 190,730,000 |
| Interest-bearing deposits | 180,932,000 | 180,994,000 | 191,371,000 | 189,441,000 |
| Noninterest-bearing deposits | 1,525,000 | 956,000 | 222,000 | 1,289,000 |
| Equity capital | 59,576,000 | 58,453,000 | 60,225,000 | 60,346,000 |
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 | 2,754,000 | 5,333,000 | 7,942,000 | 10,565,000 |
| Interest expense | 1,033,000 | 2,077,000 | 3,223,000 | 4,406,000 |
| Net interest income | 1,721,000 | 3,256,000 | 4,719,000 | 6,159,000 |
| Noninterest income | 22,000 | 54,000 | 88,000 | 114,000 |
| Noninterest expense | 585,000 | 1,153,000 | 1,681,000 | 2,549,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,174,000 | 2,276,000 | 3,245,000 | 3,780,000 |
| Income tax | 292,000 | 602,000 | 876,000 | 840,000 |
| Net income | 882,000 | 1,674,000 | 2,369,000 | 2,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,127,000 | 56,919,000 | 57,614,000 | 58,185,000 |
| Total capital | 57,747,000 | 58,477,000 | 59,263,000 | 59,825,000 |
| Risk-weighted assets | 88,305,000 | 87,689,000 | 88,314,000 | 86,912,000 |