Call reports 2004
KILLBUCK SAVINGS BANK COMPANY, THE — 2004
What KILLBUCK SAVINGS BANK COMPANY, THE 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 | 290,168,000 | 284,275,000 | 292,369,000 | 294,447,000 |
| Total loans | 210,859,000 | 216,629,000 | 218,465,000 | 216,976,000 |
| Allowance for loan losses | 2,792,000 | 2,849,000 | 2,621,000 | 2,646,000 |
| Securities available for sale | 14,863,000 | 12,191,000 | 11,057,000 | 9,754,000 |
| Securities held to maturity | 39,966,000 | 39,328,000 | 38,998,000 | 36,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,654,000 | 237,028,000 | 243,834,000 | 247,454,000 |
| Interest-bearing deposits | 207,363,000 | 197,668,000 | 202,546,000 | 200,201,000 |
| Noninterest-bearing deposits | 40,291,000 | 39,360,000 | 41,288,000 | 47,253,000 |
| Equity capital | 34,594,000 | 34,241,000 | 35,250,000 | 35,254,000 |
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 | 3,319,000 | 6,685,000 | 10,179,000 | 13,845,000 |
| Interest expense | 811,000 | 1,591,000 | 2,408,000 | 3,265,000 |
| Net interest income | 2,508,000 | 5,094,000 | 7,771,000 | 10,580,000 |
| Noninterest income | 310,000 | 624,000 | 913,000 | 1,196,000 |
| Noninterest expense | 1,745,000 | 3,627,000 | 5,333,000 | 7,152,000 |
| Provision for loan losses | 90,000 | 120,000 | 150,000 | 225,000 |
| Pretax income | 983,000 | 1,975,000 | 3,205,000 | 4,400,000 |
| Income tax | 210,000 | 420,000 | 702,000 | 981,000 |
| Net income | 773,000 | 1,555,000 | 2,503,000 | 3,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,069,000 | 32,901,000 | 33,848,000 | 33,890,000 |
| Total capital | 35,638,000 | 35,537,000 | 36,453,000 | 36,491,000 |
| Risk-weighted assets | 206,476,000 | 210,641,000 | 210,829,000 | 211,418,000 |