Call reports 2004
SECURITY SAVINGS BANK — 2004
What SECURITY 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 | 123,730,000 | 127,561,000 | 125,805,000 | 125,761,000 |
| Total loans | 79,044,000 | 80,802,000 | 79,824,000 | 79,363,000 |
| Allowance for loan losses | 875,000 | 874,000 | 923,000 | 938,000 |
| Securities available for sale | 24,606,000 | 25,841,000 | 23,971,000 | 22,190,000 |
| Securities held to maturity | 4,104,000 | 3,874,000 | 3,753,000 | 3,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,324,000 | 115,130,000 | 113,065,000 | 112,921,000 |
| Interest-bearing deposits | 108,453,000 | 112,409,000 | 109,645,000 | 108,889,000 |
| Noninterest-bearing deposits | 2,871,000 | 2,721,000 | 3,420,000 | 4,032,000 |
| Equity capital | 11,785,000 | 11,768,000 | 12,060,000 | 12,144,000 |
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 | 1,567,000 | 3,119,000 | 4,723,000 | 6,268,000 |
| Interest expense | 553,000 | 1,094,000 | 1,649,000 | 2,217,000 |
| Net interest income | 1,014,000 | 2,025,000 | 3,074,000 | 4,051,000 |
| Noninterest income | 196,000 | 404,000 | 599,000 | 755,000 |
| Noninterest expense | 888,000 | 1,796,000 | 2,717,000 | 3,607,000 |
| Provision for loan losses | 47,000 | 98,000 | 148,000 | 197,000 |
| Pretax income | 275,000 | 535,000 | 808,000 | 1,002,000 |
| Income tax | 95,000 | 184,000 | 262,000 | 320,000 |
| Net income | 180,000 | 351,000 | 546,000 | 682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,528,000 | 11,673,000 | 11,873,000 | 12,006,000 |
| Total capital | 12,403,000 | 12,547,000 | 12,796,000 | 12,944,000 |
| Risk-weighted assets | 73,905,000 | 77,135,000 | 75,582,000 | 75,548,000 |