Call reports 2004
GLASGOW SAVINGS BANK — 2004
What GLASGOW SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 31,793,000 | 30,877,000 | 29,590,000 | 29,718,000 |
| Total loans | 13,728,000 | 13,686,000 | 13,514,000 | 13,826,000 |
| Allowance for loan losses | 279,000 | 279,000 | 288,000 | 280,000 |
| Securities available for sale | 14,576,000 | 14,608,000 | 13,576,000 | 13,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,411,000 | 27,284,000 | 26,390,000 | 25,733,000 |
| Interest-bearing deposits | 24,517,000 | 23,731,000 | 23,100,000 | 21,969,000 |
| Noninterest-bearing deposits | 3,894,000 | 3,553,000 | 3,290,000 | 3,764,000 |
| Equity capital | 3,271,000 | 3,017,000 | 3,113,000 | 3,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 372,000 | 748,000 | 1,110,000 | 1,472,000 |
| Interest expense | 77,000 | 150,000 | 222,000 | 292,000 |
| Net interest income | 295,000 | 598,000 | 888,000 | 1,180,000 |
| Noninterest income | 18,000 | 36,000 | 56,000 | 82,000 |
| Noninterest expense | 173,000 | 343,000 | 517,000 | 694,000 |
| Provision for loan losses | 6,000 | 6,000 | 15,000 | 24,000 |
| Pretax income | 134,000 | 285,000 | 412,000 | 544,000 |
| Income tax | 47,000 | 101,000 | 143,000 | 191,000 |
| Net income | 87,000 | 184,000 | 269,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,073,000 | 2,970,000 | 3,055,000 | 3,039,000 |
| Total capital | 3,338,000 | 3,236,000 | 3,306,000 | 3,293,000 |
| Risk-weighted assets | 21,161,000 | 21,285,000 | 20,040,000 | 20,272,000 |