Call reports 2003
FIRST SAVANNA SAVINGS BANK — 2003
What FIRST SAVANNA 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 | 12,233,000 | 12,287,000 | 12,169,000 | 12,312,000 |
| Total loans | 7,507,000 | 7,191,000 | 7,286,000 | 7,208,000 |
| Allowance for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Securities available for sale | 2,071,000 | 2,414,000 | 2,952,000 | 2,927,000 |
| Securities held to maturity | 667,000 | 604,000 | 522,000 | 496,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,088,000 | 10,204,000 | 10,061,000 | 10,122,000 |
| Interest-bearing deposits | 10,088,000 | 10,204,000 | 10,061,000 | 10,122,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 1,817,000 | 1,789,000 | 1,812,000 | 1,860,000 |
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 | 171,000 | 344,000 | 511,000 | 673,000 |
| Interest expense | 81,000 | 159,000 | 231,000 | 299,000 |
| Net interest income | 90,000 | 185,000 | 280,000 | 374,000 |
| Noninterest income | 1,000 | 2,000 | 2,000 | 2,000 |
| Noninterest expense | 88,000 | 162,000 | 237,000 | 317,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | -2,000 | 20,000 | 40,000 | 54,000 |
| Income tax | -2,000 | 4,000 | 5,000 | 8,000 |
| Net income | 0 | 16,000 | 35,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,426,000 | 1,442,000 | 1,461,000 | 1,472,000 |
| Total capital | 1,523,000 | 1,760,000 | 1,787,000 | 1,829,000 |
| Risk-weighted assets | 5,709,000 | 5,940,000 | 5,981,000 | 6,106,000 |