Call reports 2004
NORTH BROOKFIELD SAVINGS BANK — 2004
What NORTH BROOKFIELD SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 155,962,000 | 156,298,000 | 154,868,000 | 156,280,000 |
| Total loans | 85,663,000 | 87,105,000 | 86,627,000 | 86,813,000 |
| Allowance for loan losses | 456,000 | 462,000 | 478,000 | 492,000 |
| Securities available for sale | 31,819,000 | 33,557,000 | 33,000,000 | 30,571,000 |
| Securities held to maturity | 22,812,000 | 22,472,000 | 21,924,000 | 25,294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,982,000 | 138,134,000 | 136,241,000 | 137,620,000 |
| Interest-bearing deposits | 133,617,000 | 135,471,000 | 133,041,000 | 134,122,000 |
| Noninterest-bearing deposits | 3,365,000 | 2,663,000 | 3,200,000 | 3,498,000 |
| Equity capital | 17,432,000 | 17,335,000 | 17,944,000 | 17,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,841,000 | 3,702,000 | 5,547,000 | 7,399,000 |
| Interest expense | 559,000 | 1,110,000 | 1,643,000 | 2,178,000 |
| Net interest income | 1,282,000 | 2,592,000 | 3,904,000 | 5,221,000 |
| Noninterest income | 121,000 | 248,000 | 383,000 | 528,000 |
| Noninterest expense | 859,000 | 1,776,000 | 2,734,000 | 4,040,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 534,000 | 1,039,000 | 1,513,000 | 1,654,000 |
| Income tax | 146,000 | 283,000 | 402,000 | 442,000 |
| Net income | 388,000 | 756,000 | 1,111,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,244,000 | 17,553,000 | 17,920,000 | 18,001,000 |
| Total capital | 17,700,000 | 18,015,000 | 18,398,000 | 18,493,000 |
| Risk-weighted assets | 75,188,000 | 73,521,000 | 84,270,000 | 73,655,000 |