Call reports 2004
SECURITY SAVINGS BANK — 2004
What SECURITY 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 | 56,309,000 | 56,096,000 | 58,319,000 | 61,655,000 |
| Total loans | 32,139,000 | 34,822,000 | 37,279,000 | 36,585,000 |
| Allowance for loan losses | 433,000 | 454,000 | 451,000 | 463,000 |
| Securities available for sale | 13,531,000 | 11,759,000 | 10,649,000 | 9,361,000 |
| Securities held to maturity | 5,834,000 | 5,852,000 | 5,822,000 | 5,992,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,596,000 | 47,632,000 | 46,591,000 | 52,258,000 |
| Interest-bearing deposits | 41,925,000 | 41,831,000 | 40,511,000 | 42,648,000 |
| Noninterest-bearing deposits | 5,671,000 | 5,801,000 | 6,080,000 | 9,610,000 |
| Equity capital | 4,372,000 | 4,182,000 | 4,521,000 | 4,648,000 |
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 | 702,000 | 1,427,000 | 2,171,000 | 2,928,000 |
| Interest expense | 226,000 | 447,000 | 663,000 | 909,000 |
| Net interest income | 476,000 | 980,000 | 1,508,000 | 2,019,000 |
| Noninterest income | 88,000 | 176,000 | 254,000 | 365,000 |
| Noninterest expense | 375,000 | 747,000 | 1,126,000 | 1,491,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 174,000 | 379,000 | 615,000 | 857,000 |
| Income tax | 2,000 | 12,000 | 22,000 | 42,000 |
| Net income | 172,000 | 367,000 | 593,000 | 815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,156,000 | 4,265,000 | 4,472,000 | 4,617,000 |
| Total capital | 4,589,000 | 4,719,000 | 4,923,000 | 5,080,000 |
| Risk-weighted assets | 35,233,000 | 37,120,000 | 39,181,000 | 39,605,000 |