Call reports 2003
HAVEN SAVINGS BANK — 2003
What HAVEN SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 613,843,000 | 629,764,000 | 647,319,000 | 661,645,000 |
| Total loans | 344,007,000 | 356,318,000 | 401,085,000 | 431,151,000 |
| Allowance for loan losses | 2,121,000 | 2,121,000 | 2,121,000 | 2,122,000 |
| Securities available for sale | 10,438,000 | 9,739,000 | 8,174,000 | 7,768,000 |
| Securities held to maturity | 187,631,000 | 206,085,000 | 203,945,000 | 189,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 540,343,000 | 555,740,000 | 560,744,000 | 563,772,000 |
| Interest-bearing deposits | 533,874,000 | 548,166,000 | 552,520,000 | 557,240,000 |
| Noninterest-bearing deposits | 6,469,000 | 7,574,000 | 8,224,000 | 6,532,000 |
| Equity capital | 53,000,000 | 54,525,000 | 56,080,000 | 57,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 8,110,000 | 16,399,000 | 24,443,000 | 32,596,000 |
| Interest expense | 3,603,000 | 7,189,000 | 10,601,000 | 13,926,000 |
| Net interest income | 4,507,000 | 9,210,000 | 13,842,000 | 18,670,000 |
| Noninterest income | 197,000 | 243,000 | 431,000 | 618,000 |
| Noninterest expense | 2,457,000 | 4,798,000 | 7,193,000 | 9,894,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,247,000 | 4,655,000 | 7,080,000 | 9,394,000 |
| Income tax | 756,000 | 1,649,000 | 2,480,000 | 3,258,000 |
| Net income | 1,491,000 | 3,006,000 | 4,600,000 | 6,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,800,000 | 54,322,000 | 55,983,000 | 57,465,000 |
| Total capital | 54,921,000 | 56,443,000 | 58,104,000 | 59,587,000 |
| Risk-weighted assets | 241,144,000 | 251,180,000 | 268,835,000 | 280,443,000 |