Call reports 2003
NORTH BROOKFIELD SAVINGS BANK — 2003
What NORTH BROOKFIELD 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 | 149,688,000 | 153,459,000 | 153,912,000 | 153,335,000 |
| Total loans | 87,969,000 | 87,513,000 | 84,841,000 | 85,298,000 |
| Allowance for loan losses | 546,000 | 551,000 | 547,000 | 551,000 |
| Securities available for sale | 22,791,000 | 24,730,000 | 29,684,000 | 32,269,000 |
| Securities held to maturity | 25,772,000 | 25,181,000 | 23,607,000 | 22,566,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,024,000 | 136,092,000 | 136,021,000 | 135,909,000 |
| Interest-bearing deposits | 130,018,000 | 133,984,000 | 133,856,000 | 133,407,000 |
| Noninterest-bearing deposits | 2,006,000 | 2,108,000 | 2,165,000 | 2,502,000 |
| Equity capital | 15,872,000 | 16,339,000 | 16,703,000 | 16,898,000 |
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 | 1,987,000 | 3,976,000 | 5,891,000 | 7,768,000 |
| Interest expense | 786,000 | 1,520,000 | 2,170,000 | 2,767,000 |
| Net interest income | 1,201,000 | 2,456,000 | 3,721,000 | 5,001,000 |
| Noninterest income | 148,000 | 316,000 | 511,000 | 667,000 |
| Noninterest expense | 785,000 | 1,575,000 | 2,388,000 | 3,417,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 549,000 | 1,172,000 | 1,819,000 | 2,226,000 |
| Income tax | 162,000 | 356,000 | 559,000 | 671,000 |
| Net income | 387,000 | 816,000 | 1,260,000 | 1,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,698,000 | 16,127,000 | 16,571,000 | 16,842,000 |
| Total capital | 16,244,000 | 16,678,000 | 17,118,000 | 17,393,000 |
| Risk-weighted assets | 73,833,000 | 74,828,000 | 74,222,000 | 74,996,000 |