Call reports 2003
SAVINGS BANK, THE — 2003
What SAVINGS BANK, THE 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 | 405,714,000 | 409,777,000 | 404,013,000 | 396,703,000 |
| Total loans | 111,932,000 | 111,886,000 | 108,923,000 | 108,067,000 |
| Allowance for loan losses | 959,000 | 967,000 | 945,000 | 965,000 |
| Securities available for sale | 164,178,000 | 177,923,000 | 175,702,000 | 172,236,000 |
| Securities held to maturity | 68,121,000 | 71,719,000 | 71,659,000 | 72,753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,656,000 | 352,361,000 | 347,089,000 | 339,725,000 |
| Interest-bearing deposits | 320,124,000 | 322,211,000 | 316,245,000 | 308,060,000 |
| Noninterest-bearing deposits | 29,532,000 | 30,150,000 | 30,844,000 | 31,665,000 |
| Equity capital | 53,660,000 | 55,174,000 | 54,869,000 | 54,891,000 |
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 | 4,568,000 | 8,965,000 | 13,042,000 | 17,068,000 |
| Interest expense | 1,512,000 | 2,847,000 | 4,055,000 | 5,176,000 |
| Net interest income | 3,056,000 | 6,118,000 | 8,987,000 | 11,892,000 |
| Noninterest income | 519,000 | 1,122,000 | 1,509,000 | 1,986,000 |
| Noninterest expense | 2,456,000 | 5,040,000 | 7,449,000 | 10,133,000 |
| Provision for loan losses | -104,000 | -40,000 | -60,000 | -31,000 |
| Pretax income | 1,145,000 | 2,114,000 | 3,004,000 | 3,529,000 |
| Income tax | 350,000 | 684,000 | 989,000 | 1,166,000 |
| Net income | 795,000 | 1,430,000 | 2,015,000 | 2,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,967,000 | 48,645,000 | 49,274,000 | 49,665,000 |
| Total capital | 49,176,000 | 50,366,000 | 50,904,000 | 51,744,000 |
| Risk-weighted assets | 189,368,000 | 189,562,000 | 190,972,000 | 190,062,000 |