Call reports 2003
ROWLEY SAVINGS BANK — 2003
What ROWLEY SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 12,962,000 | 12,999,000 | 12,827,000 | 13,007,000 |
| Total loans | 8,673,000 | 8,454,000 | 8,319,000 | 8,677,000 |
| Allowance for loan losses | 134,000 | 136,000 | 138,000 | 137,000 |
| Securities available for sale | 1,094,000 | 1,078,000 | 1,065,000 | 1,054,000 |
| Securities held to maturity | 151,000 | 142,000 | 131,000 | 118,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,258,000 | 11,373,000 | 11,234,000 | 11,490,000 |
| Interest-bearing deposits | 9,962,000 | 9,971,000 | 9,991,000 | 9,875,000 |
| Noninterest-bearing deposits | 1,296,000 | 1,402,000 | 1,243,000 | 1,615,000 |
| Equity capital | 1,624,000 | 1,536,000 | 1,498,000 | 1,458,000 |
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 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 200,000 | 399,000 | 591,000 | 792,000 |
| Interest expense | 46,000 | 88,000 | 127,000 | 165,000 |
| Net interest income | 154,000 | 311,000 | 464,000 | 627,000 |
| Noninterest income | 20,000 | 39,000 | 59,000 | 92,000 |
| Noninterest expense | 143,000 | 280,000 | 422,000 | 561,000 |
| Provision for loan losses | 2,000 | 4,000 | 6,000 | 7,000 |
| Pretax income | 29,000 | 66,000 | 95,000 | 151,000 |
| Income tax | 0 | 3,000 | 4,000 | 8,000 |
| Net income | 29,000 | 63,000 | 91,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,586,000 | 1,512,000 | 1,483,000 | 1,451,000 |
| Total capital | 1,683,000 | 1,612,000 | 1,579,000 | 1,552,000 |
| Risk-weighted assets | 7,759,000 | 7,936,000 | 7,669,000 | 8,057,000 |