Call reports 2003
NEW ALBIN SAVINGS BANK — 2003
What NEW ALBIN 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 | 111,247,000 | 114,526,000 | 121,807,000 | 122,045,000 |
| Total loans | 30,147,000 | 31,761,000 | 32,108,000 | 32,902,000 |
| Allowance for loan losses | 436,000 | 442,000 | 447,000 | 353,000 |
| Securities available for sale | 76,713,000 | 80,317,000 | 83,444,000 | 86,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,486,000 | 77,539,000 | 86,778,000 | 87,595,000 |
| Interest-bearing deposits | 76,254,000 | 73,755,000 | 82,538,000 | 83,432,000 |
| Noninterest-bearing deposits | 3,232,000 | 3,784,000 | 4,240,000 | 4,163,000 |
| Equity capital | 12,423,000 | 13,860,000 | 13,506,000 | 13,910,000 |
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 | 1,351,000 | 2,659,000 | 3,907,000 | 5,203,000 |
| Interest expense | 736,000 | 1,430,000 | 2,108,000 | 2,784,000 |
| Net interest income | 615,000 | 1,229,000 | 1,799,000 | 2,419,000 |
| Noninterest income | 18,000 | 35,000 | 55,000 | 78,000 |
| Noninterest expense | 202,000 | 405,000 | 670,000 | 912,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 431,000 | 859,000 | 1,186,000 | 1,587,000 |
| Income tax | 44,000 | 85,000 | 83,000 | 107,000 |
| Net income | 387,000 | 774,000 | 1,103,000 | 1,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,772,000 | 11,160,000 | 11,489,000 | 11,716,000 |
| Total capital | 11,208,000 | 11,602,000 | 11,936,000 | 12,069,000 |
| Risk-weighted assets | 109,050,000 | 110,662,000 | 119,037,000 | 118,899,000 |