Call reports 2006
SAUGUSBANK A CO-OPERATIVE BANK — 2006
What SAUGUSBANK A CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 173,715,000 | 172,933,000 | 168,489,000 | 171,805,000 |
| Total loans | 121,138,000 | 117,617,000 | 109,452,000 | 106,142,000 |
| Allowance for loan losses | 1,352,000 | 1,375,000 | 984,000 | 991,000 |
| Securities available for sale | 2,351,000 | 2,318,000 | 2,332,000 | 2,332,000 |
| Securities held to maturity | 37,164,000 | 39,208,000 | 40,304,000 | 40,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,478,000 | 132,126,000 | 134,326,000 | 137,424,000 |
| Interest-bearing deposits | 120,111,000 | 120,567,000 | 121,984,000 | 126,351,000 |
| Noninterest-bearing deposits | 13,367,000 | 11,559,000 | 12,342,000 | 11,073,000 |
| Equity capital | 13,534,000 | 13,788,000 | 13,979,000 | 14,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,342,000 | 4,741,000 | 7,100,000 | 9,420,000 |
| Interest expense | 1,006,000 | 2,046,000 | 3,137,000 | 4,304,000 |
| Net interest income | 1,336,000 | 2,695,000 | 3,963,000 | 5,116,000 |
| Noninterest income | 182,000 | 359,000 | 534,000 | 728,000 |
| Noninterest expense | 1,110,000 | 2,248,000 | 3,406,000 | 4,630,000 |
| Provision for loan losses | 54,000 | 73,000 | 88,000 | 102,000 |
| Pretax income | 354,000 | 733,000 | 1,003,000 | 1,112,000 |
| Income tax | 124,000 | 246,000 | 335,000 | 368,000 |
| Net income | 230,000 | 487,000 | 668,000 | 744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,543,000 | 13,621,000 | 13,809,000 | 13,883,000 |
| Total capital | 14,895,000 | 14,996,000 | 14,793,000 | 14,874,000 |
| Risk-weighted assets | 119,789,000 | 116,981,000 | 110,472,000 | 107,645,000 |