|
Tempo Bank |
| Historical
Audited Balance Sheets |
| Assets |
March 31, 2006 |
March 31, 2005 |
March 31, 2004 |
March 31, 2003 |
March 31,
2002 |
| |
|
|
|
|
|
| Cash,
including interest-bearing deposits |
5,110,683 |
3,349,527 |
4,178,529 |
14,820,517 |
6,491,474 |
| Investment
Securities, at cost |
- |
- |
- |
- |
- |
| Investment
Securities, at fair market value |
- |
- |
- |
- |
- |
| Stock
in Federal Home Loan Bank, at cost |
2,831,455 |
2,734,200 |
5,725,300 |
665,500 |
624,300 |
| Loans
receivable, net |
67,092,183 |
59,914,696 |
53,491,110 |
51,114,563 |
53,338,505 |
| Real
estate acquired by foreclosure |
- |
- |
153,411 |
71,287 |
71,287 |
| Office
properties and equipment, net |
932,791 |
977,597 |
1,029,866 |
1,054,867 |
1,087,571 |
| Deposit
base premium, net |
- |
- |
- |
- |
16,849 |
| Accrued
income and other assets |
456,780 |
345,421 |
422,910 |
319,949 |
367,015 |
| Total
Assets |
76,436,192 |
67,321,441 |
65,001,126 |
68,046,683 |
61,997,001 |
| |
|
|
|
|
|
| Liabilities
and Retained Earnings |
|
|
|
|
|
| |
|
|
|
|
|
| Savings
deposits |
59,456,021 |
48,747,534 |
49,098,912 |
52,338,259 |
46,510,221 |
| Accrued
interest on savings deposits |
189,340 |
102,635 |
105,201 |
158,167 |
193,846 |
| Advances
from Federal Home Loan Bank |
10,000,000 |
12,000,000 |
10,000,000 |
10,000,000 |
10,000,000 |
| Advance
payments by borrowers for taxes and insurance |
269,562 |
228,331 |
189,209 |
198,504 |
221,557 |
| Income
taxes payable |
- |
227,160 |
- |
25,397 |
- |
| Deferred
income taxes |
422,865 |
372,865 |
412,865 |
350,865 |
362,865 |
| Accrued
expenses and other liabilities |
148,934 |
155,583 |
115,306 |
112,944 |
120,520 |
| Total
Liabilities |
70,486,192 |
67,321,441 |
59,921,493 |
63,184,136 |
57,409,009 |
| |
|
|
|
|
|
| Retained
Earnings |
5,949,470 |
5,487,333 |
5,079,633 |
4,862,547 |
4,587,992 |
| |
|
|
|
|
|
| Total
Liabilities and Retained Earnings |
76,436,192 |
67,321,441 |
65,001,126 |
68,046,683 |
61,997,001 |
|
|
|
|
|
|
|
|
|
|
|
|
Tempo Bank
Common Size Balance Sheets (% of Total Assets) |
| Assets |
March
31,
2006 |
March
31,
2005 |
March
31,
2004 |
March
31,
2003 |
March
31,
2002 |
| |
|
|
|
|
|
| Cash,
including interest-bearing deposits |
6.69% |
4.98% |
6.43% |
21.78% |
10.47% |
| Investment
Securities, at cost |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Investment
Securities, at fair market value |
0.00%% |
0.00% |
0.00% |
0.00% |
0.00% |
| Stock
in Federal Home Loan Bank, at cost |
3.70% |
4.06% |
8.81% |
.98% |
1.01% |
| Loans
receivable, net |
87.78% |
89.00% |
82.29% |
75.12% |
86.03% |
| Real
estate acquired by foreclosure |
0.00% |
0.00% |
0.24% |
0.10% |
0.12% |
| Office
properties and equipment, net |
1.22% |
1.45% |
1.58% |
1.55% |
1.75% |
| Deposit
base premium, net |
0.00% |
0.00% |
0.00% |
0.00% |
0.03% |
| Accrued
income and other assets |
0.61% |
0.51% |
0.65% |
.047% |
0.59% |
| Total
Assets |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
| |
|
|
|
|
|
| Liabilities
and Retained Earnings |
|
|
|
|
|
| |
|
|
|
|
|
| Savings
deposits |
77.79% |
72.41% |
75.54% |
76.92% |
75.02% |
| Accrued
interest on savings deposits |
0.25% |
0.15% |
0.16% |
0.23% |
0.31% |
| Advances
from Federal Home Loan Bank |
13.08% |
17.82% |
15.38% |
14.70% |
16.13% |
Advance
payments by borrowers for taxes and
insurance |
0.35% |
0.34% |
0.29% |
0.29% |
0.36% |
| Income
taxes payable |
0% |
0.34% |
0.00% |
0.03% |
0.00% |
| Deferred
income taxes |
0.55% |
0.55% |
0.64% |
0.52% |
0.59% |
| Accrued
expenses and other liabilities |
0.19% |
0.23% |
0.18% |
0.16% |
0.19% |
| Total
Liabilities |
92.21% |
91.84% |
92.19% |
92.85% |
92.60% |
| |
|
|
|
|
|
| Retained
Earnings |
7.79% |
8.16% |
7.81% |
7.15% |
7.40% |
| |
|
|
|
|
|
| Total
Liabilities and Retained Earnings |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
|
