Call reports 2004
PASSUMPSIC SAVINGS BANK — 2004
What PASSUMPSIC SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 365,401,000 | 368,577,000 | 382,771,000 | 383,207,000 |
| Total loans | 274,653,000 | 283,497,000 | 290,731,000 | 287,760,000 |
| Allowance for loan losses | 3,369,000 | 3,370,000 | 3,467,000 | 3,614,000 |
| Securities available for sale | 46,847,000 | 45,416,000 | 44,915,000 | 49,677,000 |
| Securities held to maturity | 13,767,000 | 12,665,000 | 12,182,000 | 11,328,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,050,000 | 287,626,000 | 298,997,000 | 300,136,000 |
| Interest-bearing deposits | 262,401,000 | 262,565,000 | 272,767,000 | 291,403,000 |
| Noninterest-bearing deposits | 22,649,000 | 25,061,000 | 26,230,000 | 8,733,000 |
| Equity capital | 42,812,000 | 42,896,000 | 43,510,000 | 44,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,992,000 | 10,069,000 | 15,089,000 | 20,310,000 |
| Interest expense | 1,541,000 | 3,067,000 | 4,619,000 | 6,211,000 |
| Net interest income | 3,451,000 | 7,002,000 | 10,470,000 | 14,099,000 |
| Noninterest income | 668,000 | 1,824,000 | 2,341,000 | 3,034,000 |
| Noninterest expense | 3,017,000 | 6,362,000 | 9,420,000 | 12,477,000 |
| Provision for loan losses | 135,000 | 270,000 | 450,000 | 630,000 |
| Pretax income | 1,009,000 | 2,290,000 | 3,284,000 | 4,372,000 |
| Income tax | 250,000 | 643,000 | 938,000 | 1,197,000 |
| Net income | 759,000 | 1,647,000 | 2,346,000 | 3,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,902,000 | 41,885,000 | 42,460,000 | 43,201,000 |
| Total capital | 44,594,000 | 45,640,000 | 46,201,000 | 47,183,000 |
| Risk-weighted assets | 284,480,000 | 292,344,000 | 298,586,000 | 295,524,000 |
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