Call reports 2002
SAVINGS BANK, THE — 2002
What SAVINGS BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 386,573,000 | 405,743,000 | 401,741,000 | 403,506,000 |
| Total loans | 135,366,000 | 135,389,000 | 132,619,000 | 130,446,000 |
| Allowance for loan losses | 1,071,000 | 1,061,000 | 1,071,000 | 1,064,000 |
| Securities available for sale | 152,432,000 | 160,541,000 | 162,169,000 | 153,893,000 |
| Securities held to maturity | 55,274,000 | 56,194,000 | 57,357,000 | 65,918,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,874,000 | 351,389,000 | 346,496,000 | 347,486,000 |
| Interest-bearing deposits | 306,079,000 | 320,709,000 | 317,812,000 | 318,486,000 |
| Noninterest-bearing deposits | 27,795,000 | 30,680,000 | 28,684,000 | 29,000,000 |
| Equity capital | 50,359,000 | 51,794,000 | 52,605,000 | 53,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,095,000 | 10,285,000 | 15,467,000 | 20,305,000 |
| Interest expense | 2,147,000 | 4,292,000 | 6,314,000 | 8,117,000 |
| Net interest income | 2,948,000 | 5,993,000 | 9,153,000 | 12,188,000 |
| Noninterest income | 490,000 | 1,026,000 | 1,553,000 | 2,323,000 |
| Noninterest expense | 2,368,000 | 4,788,000 | 7,134,000 | 9,798,000 |
| Provision for loan losses | -72,000 | -81,000 | -68,000 | -74,000 |
| Pretax income | 1,023,000 | 2,048,000 | 3,349,000 | 4,109,000 |
| Income tax | 344,000 | 683,000 | 1,112,000 | 1,374,000 |
| Net income | 679,000 | 1,365,000 | 2,237,000 | 2,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,898,000 | 45,584,000 | 46,456,000 | 47,128,000 |
| Total capital | 47,127,000 | 47,506,000 | 47,648,000 | 48,694,000 |
| Risk-weighted assets | 192,097,000 | 193,878,000 | 190,685,000 | 192,498,000 |