Call reports 2004
NEW ALBIN SAVINGS BANK — 2004
What NEW ALBIN 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 | 122,896,000 | 119,533,000 | 122,125,000 | 123,090,000 |
| Total loans | 33,577,000 | 36,215,000 | 37,654,000 | 37,320,000 |
| Allowance for loan losses | 351,000 | 305,000 | 371,000 | 418,000 |
| Securities available for sale | 83,355,000 | 78,065,000 | 81,547,000 | 83,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,327,000 | 86,944,000 | 85,591,000 | 85,345,000 |
| Interest-bearing deposits | 84,269,000 | 82,834,000 | 81,143,000 | 80,469,000 |
| Noninterest-bearing deposits | 4,058,000 | 4,110,000 | 4,448,000 | 4,876,000 |
| Equity capital | 14,729,000 | 13,617,000 | 14,920,000 | 14,956,000 |
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 | 1,263,000 | 2,640,000 | 4,118,000 | 5,570,000 |
| Interest expense | 641,000 | 1,262,000 | 1,912,000 | 2,616,000 |
| Net interest income | 622,000 | 1,378,000 | 2,206,000 | 2,954,000 |
| Noninterest income | 16,000 | 34,000 | 55,000 | 79,000 |
| Noninterest expense | 223,000 | 451,000 | 687,000 | 992,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 120,000 |
| Pretax income | 415,000 | 961,000 | 1,514,000 | 1,921,000 |
| Income tax | 30,000 | 117,000 | 229,000 | 242,000 |
| Net income | 385,000 | 844,000 | 1,285,000 | 1,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,101,000 | 12,560,000 | 13,001,000 | 13,230,000 |
| Total capital | 12,452,000 | 12,865,000 | 13,372,000 | 13,648,000 |
| Risk-weighted assets | 119,095,000 | 118,191,000 | 119,475,000 | 120,811,000 |