Call reports 2002
NEWTON SOUTH CO-OPERATIVE BANK — 2002
What NEWTON SOUTH CO-OPERATIVE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 114,739,000 | 114,938,000 | 117,005,000 | 118,756,000 |
| Total loans | 96,553,000 | 96,233,000 | 95,816,000 | 95,350,000 |
| Allowance for loan losses | 395,000 | 500,000 | 575,000 | 665,000 |
| Securities available for sale | 5,471,000 | 7,496,000 | 8,000,000 | 9,501,000 |
| Securities held to maturity | 2,942,000 | 3,348,000 | 4,450,000 | 4,525,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,446,000 | 96,352,000 | 97,844,000 | 98,868,000 |
| Interest-bearing deposits | 84,924,000 | 86,306,000 | 88,652,000 | 89,693,000 |
| Noninterest-bearing deposits | 9,522,000 | 10,046,000 | 9,192,000 | 9,175,000 |
| Equity capital | 17,921,000 | 18,497,000 | 19,040,000 | 19,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,108,000 | 4,275,000 | 6,355,000 | 8,482,000 |
| Interest expense | 615,000 | 1,186,000 | 1,736,000 | 2,224,000 |
| Net interest income | 1,493,000 | 3,089,000 | 4,619,000 | 6,258,000 |
| Noninterest income | 49,000 | 104,000 | 166,000 | 258,000 |
| Noninterest expense | 565,000 | 1,178,000 | 1,769,000 | 2,413,000 |
| Provision for loan losses | 78,000 | 183,000 | 271,000 | 361,000 |
| Pretax income | 899,000 | 1,832,000 | 2,745,000 | 3,742,000 |
| Income tax | 368,000 | 750,000 | 1,124,000 | 1,537,000 |
| Net income | 531,000 | 1,082,000 | 1,621,000 | 2,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,921,000 | 18,497,000 | 19,040,000 | 19,624,000 |
| Total capital | 18,316,000 | 18,997,000 | 19,615,000 | 20,289,000 |
| Risk-weighted assets | 78,522,000 | 79,275,000 | 80,962,000 | 84,014,000 |