Call reports 2003
SECURITY SAVINGS BANK — 2003
What SECURITY 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 | 122,079,000 | 124,099,000 | 124,377,000 | 121,661,000 |
| Total loans | 78,527,000 | 80,426,000 | 81,550,000 | 79,535,000 |
| Allowance for loan losses | 792,000 | 779,000 | 757,000 | 831,000 |
| Securities available for sale | 19,200,000 | 20,746,000 | 20,415,000 | 22,207,000 |
| Securities held to maturity | 7,254,000 | 6,668,000 | 6,225,000 | 4,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,076,000 | 111,887,000 | 112,145,000 | 109,364,000 |
| Interest-bearing deposits | 107,709,000 | 108,418,000 | 109,319,000 | 106,706,000 |
| Noninterest-bearing deposits | 2,367,000 | 3,469,000 | 2,826,000 | 2,658,000 |
| Equity capital | 11,276,000 | 11,463,000 | 11,479,000 | 11,590,000 |
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 | 1,773,000 | 3,480,000 | 5,022,000 | 6,627,000 |
| Interest expense | 730,000 | 1,389,000 | 2,024,000 | 2,622,000 |
| Net interest income | 1,043,000 | 2,091,000 | 2,998,000 | 4,005,000 |
| Noninterest income | 214,000 | 392,000 | 546,000 | 712,000 |
| Noninterest expense | 860,000 | 1,753,000 | 2,611,000 | 3,501,000 |
| Provision for loan losses | 72,000 | 126,000 | 172,000 | 222,000 |
| Pretax income | 325,000 | 604,000 | 761,000 | 994,000 |
| Income tax | 98,000 | 185,000 | 220,000 | 293,000 |
| Net income | 227,000 | 419,000 | 541,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,888,000 | 11,083,000 | 11,186,000 | 11,346,000 |
| Total capital | 11,680,000 | 11,862,000 | 11,943,000 | 12,177,000 |
| Risk-weighted assets | 72,537,000 | 73,994,000 | 74,776,000 | 72,732,000 |