|
Tempo Bank |
| Historical
Audited Balance Sheets |
| Assets |
March
31,
2002 |
March
31,
2001 |
March
31,
2000 |
March
31,
1999 |
March
31,
1998 |
| |
|
|
|
|
|
| Cash,
including interest-bearing deposits |
6,491,474 |
2,800,316 |
2,861,840 |
2,957,682 |
5,643,846 |
| Investment
Securities, at cost |
- |
- |
- |
- |
- |
| Investment
Securities, at fair market value |
- |
- |
- |
- |
- |
| Stock
in Federal Home Loan Bank, at cost |
624,300 |
586,400 |
450,000 |
356,100 |
325,000 |
| Loans
receivable, net |
53,338,505 |
48,603,615 |
45,224,422 |
41,469,898 |
37,843,861 |
| Real
estate acquired by foreclosure |
71,287 |
- |
- |
- |
- |
| Office
properties and equipment, net |
1,087,571 |
1,064,564 |
1,128,587 |
1,192,988 |
1,204,626 |
| Deposit
base premium, net |
16,849 |
45,730 |
74,610 |
103,491 |
132,372 |
| Accrued
income and other assets |
367,015 |
336,862 |
214,624 |
154,304 |
168,585 |
| Total
Assets |
61,997,001 |
53,437,487 |
49,954,083 |
46,234,463 |
45,318,290 |
| |
|
|
|
|
|
| Liabilities
and Retained Earnings |
|
|
|
|
|
| |
|
|
|
|
|
| Savings
deposits |
46,510,221 |
39,254,451 |
36,022,221 |
35,107,998 |
34,300,648 |
| Accrued
interest on savings deposits |
193,846 |
211,931 |
195,410 |
198,348 |
222,203 |
| Advances
from Federal Home Loan Bank |
10,000,000 |
9,000,000 |
9,000,000 |
6,500,000 |
6,500,000 |
| Advance
payments by borrowers for taxes and insurance |
221,557 |
240,309 |
235,260 |
213,788 |
213,931 |
| Income
taxes payable |
- |
- |
- |
- |
- |
| Deferred
income taxes |
362,865 |
340,993 |
320,798 |
303,523 |
301,846 |
| Accrued
expenses and other liabilities |
120,520 |
79,350 |
82,519 |
63,627 |
169,763 |
| Total
Liabilities |
57,409,009 |
49,127,034 |
45,856,208 |
42,387,284 |
41,708,391 |
| |
|
|
|
|
|
| Retained
Earnings |
4,587,992 |
4,310,453 |
4,097,875 |
3,847,179 |
3,609,899 |
| |
|
|
|
|
|
| Total
Liabilities and Retained Earnings |
61,997,001 |
53,437,487 |
49,954,083 |
46,234,463 |
45,318,290 |
|
|
|
|
|
|
|
|
|
|
|
|
Tempo Bank
Common Size Balance Sheets (% of Total Assets) |
| Assets |
March
31,
2002 |
March
31,
2001 |
March
31,
2000 |
March
31,
1999 |
March
31,
1998 |
| |
|
|
|
|
|
| Cash,
including interest-bearing deposits |
10.47% |
5.24% |
5.73% |
6.40% |
12.45% |
| 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 |
1.01% |
1.10% |
0.90% |
0.77% |
0.72% |
| Loans
receivable, net |
86.03% |
90.95% |
90.53% |
89.70% |
83.51% |
| Real
estate acquired by foreclosure |
0.12% |
0.00% |
0.00% |
0.00% |
0.00% |
| Office
properties and equipment, net |
1.75% |
1.99% |
2.26% |
2.58% |
2.66% |
| Deposit
base premium, net |
0.03% |
0.09% |
0.15% |
0.22% |
0.29% |
| Accrued
income and other assets |
0.59% |
0.63% |
0.43% |
0.33% |
0.37% |
| Total
Assets |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
| |
|
|
|
|
|
| Liabilities
and Retained Earnings |
|
|
|
|
|
| |
|
|
|
|
|
| Savings
deposits |
75.02% |
73.46% |
72.11% |
75.94% |
75.69% |
| Accrued
interest on savings deposits |
0.31% |
0.40% |
0.39% |
0.43% |
0.49% |
| Advances
from Federal Home Loan Bank |
16.13% |
16.84% |
18.02% |
14.06% |
14.34% |
Advance
payments by borrowers for taxes and
insurance |
0.36% |
0.45% |
0.47% |
0.46% |
0.47% |
| Income
taxes payable |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Deferred
income taxes |
0.59% |
0.64% |
0.64% |
0.66% |
0.67% |
| Accrued
expenses and other liabilities |
0.19% |
0.15% |
0.17% |
0.14% |
0.38% |
| Total
Liabilities |
92.60% |
91.93% |
91.80% |
91.68% |
92.03% |
| |
|
|
|
|
|
| Retained
Earnings |
7.40% |
8.07% |
8.20% |
8.32% |
7.97% |
| |
|
|
|
|
|
| Total
Liabilities and Retained Earnings |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
|
