Call reports 2005
PASSUMPSIC SAVINGS BANK — 2005
What PASSUMPSIC SAVINGS 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 | 383,952,000 | 389,721,000 | 406,770,000 | 405,813,000 |
| Total loans | 293,627,000 | 302,967,000 | 313,833,000 | 316,425,000 |
| Allowance for loan losses | 3,817,000 | 3,977,000 | 4,035,000 | 3,978,000 |
| Securities available for sale | 52,313,000 | 49,588,000 | 50,973,000 | 50,773,000 |
| Securities held to maturity | 10,656,000 | 10,261,000 | 9,813,000 | 9,309,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,416,000 | 298,991,000 | 307,961,000 | 305,152,000 |
| Interest-bearing deposits | 290,475,000 | 288,089,000 | 297,865,000 | 275,730,000 |
| Noninterest-bearing deposits | 10,941,000 | 10,902,000 | 10,096,000 | 29,422,000 |
| Equity capital | 44,396,000 | 45,025,000 | 45,734,000 | 46,242,000 |
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 | 5,224,000 | 10,568,000 | 16,323,000 | 22,281,000 |
| Interest expense | 1,586,000 | 3,347,000 | 5,330,000 | 7,540,000 |
| Net interest income | 3,638,000 | 7,221,000 | 10,993,000 | 14,741,000 |
| Noninterest income | 534,000 | 1,349,000 | 2,221,000 | 3,180,000 |
| Noninterest expense | 3,147,000 | 6,466,000 | 9,819,000 | 13,278,000 |
| Provision for loan losses | 210,000 | 420,000 | 540,000 | 660,000 |
| Pretax income | 1,041,000 | 1,927,000 | 3,239,000 | 4,300,000 |
| Income tax | 205,000 | 487,000 | 871,000 | 1,180,000 |
| Net income | 836,000 | 1,440,000 | 2,368,000 | 3,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,022,000 | 44,617,000 | 45,467,000 | 46,121,000 |
| Total capital | 48,045,000 | 48,681,000 | 49,691,000 | 50,401,000 |
| Risk-weighted assets | 299,049,000 | 306,211,000 | 318,083,000 | 321,182,000 |