Call reports 2001
NEWTON SOUTH CO-OPERATIVE BANK — 2001
What NEWTON SOUTH CO-OPERATIVE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 102,907,000 | 113,354,000 | 108,979,000 | 109,169,000 |
| Total loans | 88,363,000 | 94,821,000 | 94,173,000 | 93,964,000 |
| Allowance for loan losses | 317,000 | 317,000 | 317,000 | 370,000 |
| Securities available for sale | 3,975,000 | 5,468,000 | 5,010,000 | 4,495,000 |
| Securities held to maturity | 1,900,000 | 2,896,000 | 2,896,000 | 3,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,747,000 | 90,858,000 | 87,571,000 | 89,697,000 |
| Interest-bearing deposits | 75,010,000 | 81,074,000 | 78,822,000 | 81,225,000 |
| Noninterest-bearing deposits | 8,737,000 | 9,784,000 | 8,749,000 | 8,472,000 |
| Equity capital | 15,917,000 | 16,403,000 | 16,962,000 | 17,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,024,000 | 4,158,000 | 6,312,000 | 8,419,000 |
| Interest expense | 784,000 | 1,581,000 | 2,366,000 | 3,081,000 |
| Net interest income | 1,240,000 | 2,577,000 | 3,946,000 | 5,338,000 |
| Noninterest income | 16,000 | 83,000 | 129,000 | 187,000 |
| Noninterest expense | 506,000 | 1,074,000 | 1,613,000 | 2,215,000 |
| Provision for loan losses | 0 | 0 | 0 | 53,000 |
| Pretax income | 750,000 | 1,586,000 | 2,462,000 | 3,257,000 |
| Income tax | 307,000 | 650,000 | 1,009,000 | 1,338,000 |
| Net income | 443,000 | 936,000 | 1,453,000 | 1,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,917,000 | 16,403,000 | 16,952,000 | 17,414,000 |
| Total capital | 16,234,000 | 16,720,000 | 17,274,000 | 17,784,000 |
| Risk-weighted assets | 66,573,000 | 74,122,000 | 74,217,000 | 73,480,000 |