Call reports 2005
SEWICKLEY SAVINGS BANK — 2005
What SEWICKLEY 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 | 254,002,000 | 255,270,000 | 248,055,000 | 243,452,000 |
| Total loans | 32,404,000 | 32,091,000 | 32,130,000 | 33,106,000 |
| Allowance for loan losses | 1,030,000 | 1,018,000 | 1,006,000 | 994,000 |
| Securities available for sale | 81,670,000 | 79,676,000 | 80,607,000 | 76,800,000 |
| Securities held to maturity | 93,136,000 | 97,565,000 | 117,631,000 | 107,322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,722,000 | 189,247,000 | 181,321,000 | 177,721,000 |
| Interest-bearing deposits | 187,789,000 | 188,174,000 | 179,609,000 | 175,740,000 |
| Noninterest-bearing deposits | 933,000 | 1,073,000 | 1,712,000 | 1,981,000 |
| Equity capital | 61,004,000 | 61,798,000 | 62,461,000 | 62,095,000 |
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 | 2,763,000 | 5,557,000 | 8,406,000 | 11,367,000 |
| Interest expense | 1,208,000 | 2,552,000 | 3,942,000 | 5,393,000 |
| Net interest income | 1,555,000 | 3,005,000 | 4,464,000 | 5,974,000 |
| Noninterest income | 21,000 | 53,000 | 110,000 | 147,000 |
| Noninterest expense | 532,000 | 1,065,000 | 1,594,000 | 2,447,000 |
| Provision for loan losses | -12,000 | -24,000 | -36,000 | -48,000 |
| Pretax income | 1,053,000 | 2,011,000 | 3,017,000 | 3,736,000 |
| Income tax | 263,000 | 521,000 | 780,000 | 872,000 |
| Net income | 790,000 | 1,490,000 | 2,237,000 | 2,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,974,000 | 59,675,000 | 60,422,000 | 61,049,000 |
| Total capital | 60,562,000 | 61,270,000 | 61,963,000 | 62,576,000 |
| Risk-weighted assets | 87,627,000 | 87,534,000 | 83,916,000 | 86,987,000 |