Call reports 2005
SAVINGS BANK, THE — 2005
What SAVINGS BANK, THE 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 | 416,744,000 | 435,134,000 | 431,791,000 | 415,617,000 |
| Total loans | 144,327,000 | 158,352,000 | 163,121,000 | 163,159,000 |
| Allowance for loan losses | 1,305,000 | 1,564,000 | 1,629,000 | 1,423,000 |
| Securities available for sale | 140,988,000 | 147,956,000 | 150,995,000 | 135,464,000 |
| Securities held to maturity | 66,197,000 | 65,570,000 | 64,934,000 | 62,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,106,000 | 379,880,000 | 377,561,000 | 362,395,000 |
| Interest-bearing deposits | 331,654,000 | 346,363,000 | 339,795,000 | 325,147,000 |
| Noninterest-bearing deposits | 31,452,000 | 33,517,000 | 37,766,000 | 37,248,000 |
| Equity capital | 53,152,000 | 53,976,000 | 53,233,000 | 52,461,000 |
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 | 3,910,000 | 7,992,000 | 12,247,000 | 16,487,000 |
| Interest expense | 1,197,000 | 2,640,000 | 4,206,000 | 5,820,000 |
| Net interest income | 2,713,000 | 5,352,000 | 8,041,000 | 10,667,000 |
| Noninterest income | 620,000 | 1,615,000 | 2,935,000 | 4,230,000 |
| Noninterest expense | 3,091,000 | 6,436,000 | 10,395,000 | 14,832,000 |
| Provision for loan losses | 54,000 | 312,000 | 380,000 | 173,000 |
| Pretax income | 188,000 | 177,000 | 201,000 | -172,000 |
| Income tax | 39,000 | 21,000 | 57,000 | 118,000 |
| Net income | 149,000 | 156,000 | 144,000 | -290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,854,000 | 45,928,000 | 46,022,000 | 46,337,000 |
| Total capital | 53,564,000 | 49,030,000 | 49,209,000 | 49,187,000 |
| Risk-weighted assets | 207,886,000 | 217,473,000 | 217,915,000 | 213,852,000 |