Call reports 2004
FIRST SAVANNA SAVINGS BANK — 2004
What FIRST SAVANNA 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 | 12,372,000 | 12,176,000 | 12,316,000 | 12,307,000 |
| Total loans | 6,945,000 | 7,026,000 | 7,044,000 | 6,787,000 |
| Allowance for loan losses | 50,000 | 52,000 | 56,000 | 56,000 |
| Securities available for sale | 2,711,000 | 3,029,000 | 3,053,000 | 3,501,000 |
| Securities held to maturity | 451,000 | 427,000 | 244,000 | 212,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,132,000 | 9,954,000 | 9,995,000 | 9,892,000 |
| Interest-bearing deposits | 10,132,000 | 9,954,000 | 9,995,000 | 9,892,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 1,892,000 | 1,890,000 | 1,951,000 | 2,008,000 |
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 | 163,000 | 319,000 | 476,000 | 630,000 |
| Interest expense | 64,000 | 127,000 | 190,000 | 254,000 |
| Net interest income | 99,000 | 192,000 | 286,000 | 376,000 |
| Noninterest income | 2,000 | 2,000 | 2,000 | 2,000 |
| Noninterest expense | 81,000 | 161,000 | 234,000 | 316,000 |
| Provision for loan losses | 5,000 | 7,000 | 11,000 | 11,000 |
| Pretax income | 15,000 | 26,000 | 43,000 | 51,000 |
| Income tax | 5,000 | 5,000 | 9,000 | 8,000 |
| Net income | 10,000 | 21,000 | 34,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,482,000 | 1,492,000 | 1,506,000 | 1,515,000 |
| Total capital | 1,833,000 | 1,867,000 | 1,895,000 | 1,946,000 |
| Risk-weighted assets | 6,026,000 | 6,357,000 | 6,383,000 | 6,365,000 |