Call reports 2002
SAVINGS BANK AND TRUST COMPANY, THE — 2002
What SAVINGS BANK AND TRUST COMPANY, THE 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 | 186,814,000 | 199,548,000 | 205,782,000 | 206,870,000 |
| Total loans | 114,049,000 | 116,155,000 | 117,902,000 | 119,222,000 |
| Allowance for loan losses | 1,522,000 | 1,459,000 | 1,479,000 | 1,548,000 |
| Securities available for sale | 64,690,000 | 69,891,000 | 74,369,000 | 77,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,092,000 | 166,088,000 | 167,811,000 | 169,987,000 |
| Interest-bearing deposits | 141,783,000 | 148,644,000 | 153,109,000 | 153,965,000 |
| Noninterest-bearing deposits | 12,309,000 | 17,444,000 | 14,702,000 | 16,022,000 |
| Equity capital | 15,356,000 | 16,667,000 | 18,070,000 | 18,237,000 |
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 | 3,113,000 | 6,326,000 | 9,546,000 | 12,720,000 |
| Interest expense | 1,080,000 | 2,172,000 | 3,274,000 | 4,296,000 |
| Net interest income | 2,033,000 | 4,154,000 | 6,272,000 | 8,424,000 |
| Noninterest income | 421,000 | 930,000 | 1,480,000 | 1,956,000 |
| Noninterest expense | 1,503,000 | 2,969,000 | 4,473,000 | 6,156,000 |
| Provision for loan losses | 81,000 | 151,000 | 229,000 | 375,000 |
| Pretax income | 932,000 | 2,046,000 | 3,152,000 | 3,948,000 |
| Income tax | 253,000 | 564,000 | 867,000 | 1,056,000 |
| Net income | 679,000 | 1,482,000 | 2,285,000 | 2,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,242,000 | 15,635,000 | 16,244,000 | 16,649,000 |
| Total capital | 16,764,000 | 17,094,000 | 17,723,000 | 18,197,000 |
| Risk-weighted assets | 142,500,000 | 148,294,000 | 153,233,000 | 155,479,000 |