Call reports 2003
SAVINGS BANK AND TRUST COMPANY, THE — 2003
What SAVINGS BANK AND TRUST COMPANY, THE 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 | 200,379,000 | 228,645,000 |
| Total loans | 116,377,000 | 111,393,000 |
| Allowance for loan losses | 1,790,000 | 2,094,000 |
| Securities available for sale | 71,047,000 | 64,138,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 165,509,000 | 165,784,000 |
| Interest-bearing deposits | 151,341,000 | 150,715,000 |
| Noninterest-bearing deposits | 14,168,000 | 15,069,000 |
| Equity capital | 18,451,000 | 44,200,000 |
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 | 3,006,000 | 5,752,000 |
| Interest expense | 898,000 | 1,626,000 |
| Net interest income | 2,108,000 | 4,126,000 |
| Noninterest income | 546,000 | 1,223,000 |
| Noninterest expense | 1,659,000 | 3,892,000 |
| Provision for loan losses | 308,000 | 753,000 |
| Pretax income | 786,000 | 874,000 |
| Income tax | 187,000 | 153,000 |
| Net income | 599,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Tier 1 capital | 17,035,000 | 15,273,000 |
| Total capital | 18,825,000 | 16,977,000 |
| Risk-weighted assets | 149,341,000 | 135,951,000 |