Call reports 2010
SAVINGS BANK, THE — 2010
What SAVINGS BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 425,398,000 | 426,178,000 | 427,617,000 | 423,994,000 |
| Total loans | 245,088,000 | 245,523,000 | 241,412,000 | 230,421,000 |
| Allowance for loan losses | 1,888,000 | 1,982,000 | 1,912,000 | 1,971,000 |
| Securities available for sale | 106,337,000 | 104,872,000 | 108,379,000 | 112,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,321,000 | 368,914,000 | 368,600,000 | 365,204,000 |
| Interest-bearing deposits | 324,556,000 | 325,931,000 | 327,114,000 | 323,465,000 |
| Noninterest-bearing deposits | 43,765,000 | 42,983,000 | 41,486,000 | 41,739,000 |
| Equity capital | 54,019,000 | 54,046,000 | 55,517,000 | 55,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,434,000 | 8,797,000 | 13,083,000 | 17,160,000 |
| Interest expense | 999,000 | 1,957,000 | 2,838,000 | 3,656,000 |
| Net interest income | 3,435,000 | 6,840,000 | 10,245,000 | 13,504,000 |
| Noninterest income | 1,238,000 | 2,614,000 | 3,824,000 | 5,028,000 |
| Noninterest expense | 4,180,000 | 8,337,000 | 12,374,000 | 16,317,000 |
| Provision for loan losses | 85,000 | 190,000 | 173,000 | 244,000 |
| Pretax income | 389,000 | 908,000 | 1,415,000 | 1,973,000 |
| Income tax | 96,000 | 227,000 | 356,000 | 530,000 |
| Net income | 293,000 | 681,000 | 1,059,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,013,000 | 47,472,000 | 47,921,000 | 48,375,000 |
| Total capital | 49,827,000 | 49,980,000 | 51,057,000 | 51,715,000 |
| Risk-weighted assets | 258,278,000 | 256,804,000 | 255,483,000 | 246,150,000 |