Call reports 2002
SAVERS CO-OPERATIVE BANK — 2002
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 288,529,000 | 288,833,000 | 303,351,000 | 305,967,000 |
| Total loans | 206,143,000 | 212,011,000 | 213,479,000 | 205,863,000 |
| Allowance for loan losses | 1,298,000 | 1,333,000 | 1,345,000 | 1,344,000 |
| Securities available for sale | 23,005,000 | 22,036,000 | 21,820,000 | 32,990,000 |
| Securities held to maturity | 32,034,000 | 31,836,000 | 31,379,000 | 31,963,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,760,000 | 231,013,000 | 242,245,000 | 244,597,000 |
| Interest-bearing deposits | 221,575,000 | 219,817,000 | 200,739,000 | 204,585,000 |
| Noninterest-bearing deposits | 9,185,000 | 11,196,000 | 41,506,000 | 40,012,000 |
| Equity capital | 27,416,000 | 27,895,000 | 28,377,000 | 28,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,263,000 | 8,536,000 | 12,848,000 | 17,035,000 |
| Interest expense | 2,022,000 | 3,907,000 | 5,722,000 | 7,565,000 |
| Net interest income | 2,241,000 | 4,629,000 | 7,126,000 | 9,470,000 |
| Noninterest income | 327,000 | 696,000 | 1,035,000 | 1,405,000 |
| Noninterest expense | 1,804,000 | 3,776,000 | 5,759,000 | 7,855,000 |
| Provision for loan losses | 25,000 | 60,000 | 75,000 | 75,000 |
| Pretax income | 739,000 | 1,489,000 | 2,314,000 | 2,907,000 |
| Income tax | 187,000 | 377,000 | 591,000 | 788,000 |
| Net income | 552,000 | 1,112,000 | 1,723,000 | 2,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,032,000 | 27,592,000 | 28,203,000 | 28,599,000 |
| Total capital | 28,587,000 | 29,078,000 | 29,618,000 | 30,063,000 |
| Risk-weighted assets | 159,005,000 | 162,283,000 | 167,713,000 | 169,648,000 |