Call reports 2003
KILLBUCK SAVINGS BANK COMPANY, THE — 2003
What KILLBUCK SAVINGS BANK COMPANY, THE 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 | 283,574,000 | 284,965,000 | 284,458,000 | 284,714,000 |
| Total loans | 178,366,000 | 184,619,000 | 196,394,000 | 201,852,000 |
| Allowance for loan losses | 2,444,000 | 2,489,000 | 2,595,000 | 2,702,000 |
| Securities available for sale | 35,867,000 | 29,009,000 | 27,370,000 | 17,582,000 |
| Securities held to maturity | 41,774,000 | 42,480,000 | 43,545,000 | 40,629,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,822,000 | 242,535,000 | 241,435,000 | 242,032,000 |
| Interest-bearing deposits | 204,658,000 | 205,108,000 | 205,288,000 | 201,687,000 |
| Noninterest-bearing deposits | 35,164,000 | 37,427,000 | 36,147,000 | 40,345,000 |
| Equity capital | 34,429,000 | 34,066,000 | 34,761,000 | 33,790,000 |
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 | 3,589,000 | 7,121,000 | 10,564,000 | 13,979,000 |
| Interest expense | 1,123,000 | 2,170,000 | 3,129,000 | 4,015,000 |
| Net interest income | 2,466,000 | 4,951,000 | 7,435,000 | 9,964,000 |
| Noninterest income | 306,000 | 706,000 | 1,081,000 | 1,418,000 |
| Noninterest expense | 1,719,000 | 3,525,000 | 5,220,000 | 7,043,000 |
| Provision for loan losses | 105,000 | 210,000 | 300,000 | 390,000 |
| Pretax income | 948,000 | 1,924,000 | 2,998,000 | 3,951,000 |
| Income tax | 196,000 | 403,000 | 638,000 | 742,000 |
| Net income | 752,000 | 1,521,000 | 2,360,000 | 3,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,698,000 | 32,358,000 | 33,197,000 | 32,295,000 |
| Total capital | 35,003,000 | 34,847,000 | 35,657,000 | 34,751,000 |
| Risk-weighted assets | 186,604,000 | 199,123,000 | 196,701,000 | 199,220,000 |