Call reports 2004
SAVINGS BANK, THE — 2004
What SAVINGS BANK, THE 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 | 396,308,000 | 394,746,000 | 400,300,000 | 406,745,000 |
| Total loans | 106,007,000 | 119,611,000 | 128,757,000 | 140,027,000 |
| Allowance for loan losses | 952,000 | 1,047,000 | 1,113,000 | 1,252,000 |
| Securities available for sale | 168,956,000 | 160,162,000 | 156,986,000 | 154,155,000 |
| Securities held to maturity | 73,469,000 | 71,588,000 | 65,395,000 | 63,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,229,000 | 340,564,000 | 344,409,000 | 351,175,000 |
| Interest-bearing deposits | 307,173,000 | 307,433,000 | 311,864,000 | 318,144,000 |
| Noninterest-bearing deposits | 31,056,000 | 33,131,000 | 32,545,000 | 33,031,000 |
| Equity capital | 55,710,000 | 53,280,000 | 54,340,000 | 54,277,000 |
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 | 3,860,000 | 7,488,000 | 11,318,000 | 15,143,000 |
| Interest expense | 1,085,000 | 2,112,000 | 3,154,000 | 4,258,000 |
| Net interest income | 2,775,000 | 5,376,000 | 8,164,000 | 10,885,000 |
| Noninterest income | 629,000 | 1,149,000 | 1,665,000 | 2,262,000 |
| Noninterest expense | 2,769,000 | 5,347,000 | 8,195,000 | 11,199,000 |
| Provision for loan losses | -19,000 | 80,000 | 147,000 | 289,000 |
| Pretax income | 719,000 | 1,164,000 | 1,723,000 | 1,754,000 |
| Income tax | 273,000 | 435,000 | 646,000 | 636,000 |
| Net income | 446,000 | 729,000 | 1,077,000 | 1,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,808,000 | 50,124,000 | 50,516,000 | 50,662,000 |
| Total capital | 51,931,000 | 52,287,000 | 52,757,000 | 53,404,000 |
| Risk-weighted assets | 190,462,000 | 196,974,000 | 198,843,000 | 204,689,000 |