Call reports 2003
NEWTON SOUTH CO-OPERATIVE BANK — 2003
What NEWTON SOUTH CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Total assets | 121,504,000 | 121,797,000 |
| Total loans | 94,345,000 | 97,042,000 |
| Allowance for loan losses | 705,000 | 751,000 |
| Securities available for sale | 8,498,000 | 6,247,000 |
| Securities held to maturity | 4,970,000 | 6,828,000 |
| Trading assets | 0 | 0 |
| Total deposits | 100,905,000 | 100,900,000 |
| Interest-bearing deposits | 91,346,000 | 90,009,000 |
| Noninterest-bearing deposits | 9,559,000 | 10,891,000 |
| Equity capital | 20,200,000 | 20,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Interest income | 1,976,000 | 3,943,000 |
| Interest expense | 408,000 | 750,000 |
| Net interest income | 1,568,000 | 3,193,000 |
| Noninterest income | 66,000 | 155,000 |
| Noninterest expense | 609,000 | 1,380,000 |
| Provision for loan losses | 45,000 | 90,000 |
| Pretax income | 980,000 | 1,878,000 |
| Income tax | 401,000 | 769,000 |
| Net income | 579,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Tier 1 capital | 20,201,000 | 20,730,000 |
| Total capital | 20,906,000 | 21,481,000 |
| Risk-weighted assets | 86,343,000 | 86,351,000 |