Call reports 2010
SAUGUSBANK A CO-OPERATIVE BANK — 2010
What SAUGUSBANK A CO-OPERATIVE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 202,115,000 | 201,583,000 | 199,675,000 | 195,579,000 |
| Total loans | 128,169,000 | 124,978,000 | 123,814,000 | 124,138,000 |
| Allowance for loan losses | 1,824,000 | 1,885,000 | 1,911,000 | 2,051,000 |
| Securities available for sale | 17,444,000 | 11,849,000 | 12,100,000 | 10,004,000 |
| Securities held to maturity | 31,234,000 | 34,156,000 | 32,478,000 | 34,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,184,000 | 160,784,000 | 158,803,000 | 158,117,000 |
| Interest-bearing deposits | 147,890,000 | 148,310,000 | 146,169,000 | 145,407,000 |
| Noninterest-bearing deposits | 12,294,000 | 12,474,000 | 12,634,000 | 12,710,000 |
| Equity capital | 15,340,000 | 15,611,000 | 15,824,000 | 15,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,359,000 | 4,703,000 | 7,020,000 | 9,218,000 |
| Interest expense | 817,000 | 1,614,000 | 2,377,000 | 3,077,000 |
| Net interest income | 1,542,000 | 3,089,000 | 4,643,000 | 6,141,000 |
| Noninterest income | 309,000 | 570,000 | 820,000 | 1,145,000 |
| Noninterest expense | 1,419,000 | 2,763,000 | 4,178,000 | 5,706,000 |
| Provision for loan losses | 266,000 | 437,000 | 557,000 | 676,000 |
| Pretax income | 221,000 | 448,000 | 717,000 | 893,000 |
| Income tax | 64,000 | 117,000 | 196,000 | 242,000 |
| Net income | 157,000 | 331,000 | 521,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,225,000 | 15,477,000 | 15,667,000 | 15,797,000 |
| Total capital | 16,899,000 | 17,125,000 | 17,326,000 | 17,462,000 |
| Risk-weighted assets | 133,730,000 | 131,620,000 | 132,437,000 | 132,611,000 |