Call reports 2005
SAUGUSBANK A CO-OPERATIVE BANK — 2005
What SAUGUSBANK A CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 152,399,000 | 159,778,000 | 166,947,000 | 170,275,000 |
| Total loans | 102,783,000 | 108,754,000 | 113,923,000 | 119,898,000 |
| Allowance for loan losses | 1,191,000 | 1,202,000 | 1,259,000 | 1,320,000 |
| Securities available for sale | 3,281,000 | 3,246,000 | 3,171,000 | 3,132,000 |
| Securities held to maturity | 38,152,000 | 38,712,000 | 38,066,000 | 38,128,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,825,000 | 140,763,000 | 137,961,000 | 133,933,000 |
| Interest-bearing deposits | 126,265,000 | 127,812,000 | 126,837,000 | 121,697,000 |
| Noninterest-bearing deposits | 10,560,000 | 12,951,000 | 11,124,000 | 12,236,000 |
| Equity capital | 12,587,000 | 12,880,000 | 13,193,000 | 13,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,909,000 | 3,882,000 | 5,982,000 | 8,216,000 |
| Interest expense | 659,000 | 1,365,000 | 2,151,000 | 3,083,000 |
| Net interest income | 1,250,000 | 2,517,000 | 3,831,000 | 5,133,000 |
| Noninterest income | 173,000 | 374,000 | 575,000 | 779,000 |
| Noninterest expense | 908,000 | 1,869,000 | 2,838,000 | 3,859,000 |
| Provision for loan losses | 410,000 | 475,000 | 532,000 | 860,000 |
| Pretax income | 105,000 | 547,000 | 1,036,000 | 1,193,000 |
| Income tax | 18,000 | 170,000 | 342,000 | 378,000 |
| Net income | 87,000 | 377,000 | 694,000 | 815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,593,000 | 12,883,000 | 13,200,000 | 13,317,000 |
| Total capital | 13,784,000 | 14,085,000 | 14,459,000 | 14,637,000 |
| Risk-weighted assets | 103,225,000 | 108,500,000 | 113,607,000 | 118,526,000 |