Call reports 2002
21ST CENTURY BANK — 2002
What 21ST CENTURY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 101,622,000 | 110,595,000 | 129,096,000 | 177,320,000 |
| Total loans | 65,363,000 | 65,269,000 | 68,895,000 | 104,365,000 |
| Allowance for loan losses | 928,000 | 953,000 | 973,000 | 1,084,000 |
| Securities available for sale | 16,844,000 | 16,655,000 | 18,891,000 | 37,418,000 |
| Securities held to maturity | 1,040,000 | 1,040,000 | 1,308,000 | 1,448,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,460,000 | 100,742,000 | 119,584,000 | 160,279,000 |
| Interest-bearing deposits | 67,193,000 | 77,024,000 | 90,960,000 | 126,376,000 |
| Noninterest-bearing deposits | 25,267,000 | 23,718,000 | 28,624,000 | 33,903,000 |
| Equity capital | 8,603,000 | 8,825,000 | 8,999,000 | 16,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,557,000 | 3,110,000 | 4,671,000 | 9,370,000 |
| Interest expense | 602,000 | 1,160,000 | 1,750,000 | 3,677,000 |
| Net interest income | 955,000 | 1,950,000 | 2,921,000 | 5,693,000 |
| Noninterest income | 270,000 | 506,000 | 791,000 | 1,581,000 |
| Noninterest expense | 961,000 | 1,950,000 | 2,955,000 | 5,500,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 430,000 |
| Pretax income | 239,000 | 581,000 | 908,000 | 1,827,000 |
| Income tax | 98,000 | 237,000 | 370,000 | 748,000 |
| Net income | 141,000 | 344,000 | 538,000 | 1,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,463,000 | 8,666,000 | 8,860,000 | 16,089,000 |
| Total capital | 9,391,000 | 9,619,000 | 9,833,000 | 17,178,000 |
| Risk-weighted assets | 79,412,000 | 82,728,000 | 91,455,000 | 135,434,000 |
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