Call reports 2002
ROWLEY SAVINGS BANK — 2002
What ROWLEY SAVINGS 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 | 13,187,000 | 12,690,000 | 12,650,000 | 12,799,000 |
| Total loans | 8,718,000 | 8,810,000 | 9,073,000 | 8,863,000 |
| Allowance for loan losses | 118,000 | 121,000 | 124,000 | 126,000 |
| Securities available for sale | 1,268,000 | 1,090,000 | 1,098,000 | 1,096,000 |
| Securities held to maturity | 209,000 | 190,000 | 175,000 | 166,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,410,000 | 10,930,000 | 10,912,000 | 11,131,000 |
| Interest-bearing deposits | 10,046,000 | 9,794,000 | 9,868,000 | 9,827,000 |
| Noninterest-bearing deposits | 1,365,000 | 1,136,000 | 1,044,000 | 1,304,000 |
| Equity capital | 1,655,000 | 1,641,000 | 1,628,000 | 1,595,000 |
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 | 219,000 | 431,000 | 647,000 | 857,000 |
| Interest expense | 62,000 | 122,000 | 179,000 | 230,000 |
| Net interest income | 157,000 | 309,000 | 468,000 | 627,000 |
| Noninterest income | 19,000 | 41,000 | 63,000 | 102,000 |
| Noninterest expense | 145,000 | 283,000 | 419,000 | 561,000 |
| Provision for loan losses | 6,000 | 12,000 | 17,000 | 18,000 |
| Pretax income | 25,000 | 55,000 | 95,000 | 150,000 |
| Income tax | 3,000 | 4,000 | 7,000 | 10,000 |
| Net income | 22,000 | 51,000 | 88,000 | 140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,637,000 | 1,613,000 | 1,590,000 | 1,557,000 |
| Total capital | 1,737,000 | 1,712,000 | 1,691,000 | 1,657,000 |
| Risk-weighted assets | 7,950,000 | 7,937,000 | 8,057,000 | 7,967,000 |