Call reports 2003
SAVERS CO-OPERATIVE BANK — 2003
What SAVERS CO-OPERATIVE 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 | 306,685,000 | 309,858,000 | 309,349,000 | 294,779,000 |
| Total loans | 207,749,000 | 161,636,000 | 165,631,000 | 164,611,000 |
| Allowance for loan losses | 1,355,000 | 1,308,000 | 1,075,000 | 1,049,000 |
| Securities available for sale | 35,910,000 | 86,098,000 | 70,126,000 | 70,045,000 |
| Securities held to maturity | 31,762,000 | 31,623,000 | 31,341,000 | 31,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,280,000 | 250,470,000 | 252,124,000 | 237,478,000 |
| Interest-bearing deposits | 236,171,000 | 236,371,000 | 238,747,000 | 224,784,000 |
| Noninterest-bearing deposits | 11,109,000 | 14,099,000 | 13,377,000 | 12,694,000 |
| Equity capital | 29,149,000 | 30,691,000 | 30,629,000 | 31,108,000 |
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 | 4,004,000 | 7,952,000 | 11,528,000 | 14,961,000 |
| Interest expense | 1,742,000 | 3,383,000 | 4,909,000 | 6,242,000 |
| Net interest income | 2,262,000 | 4,569,000 | 6,619,000 | 8,719,000 |
| Noninterest income | 306,000 | 881,000 | 1,525,000 | 1,904,000 |
| Noninterest expense | 2,120,000 | 4,299,000 | 6,429,000 | 8,645,000 |
| Provision for loan losses | 0 | 0 | -225,000 | -225,000 |
| Pretax income | 448,000 | 1,151,000 | 2,063,000 | 2,326,000 |
| Income tax | 66,000 | 244,000 | 522,000 | 293,000 |
| Net income | 382,000 | 907,000 | 1,541,000 | 2,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,981,000 | 29,506,000 | 30,119,000 | 30,613,000 |
| Total capital | 30,433,000 | 30,967,000 | 31,366,000 | 31,887,000 |
| Risk-weighted assets | 171,276,000 | 158,246,000 | 160,716,000 | 152,238,000 |