Call reports 2002
STATE NATIONAL BANK IN WEST, THE — 2002
What STATE NATIONAL BANK IN WEST, THE 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 | 49,695,000 | 47,676,000 | 48,497,000 | 49,817,000 |
| Total loans | 12,895,000 | 12,336,000 | 12,715,000 | 13,561,000 |
| Allowance for loan losses | 427,000 | 358,000 | 362,000 | 274,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,997,000 | 32,000,000 | 31,026,000 | 31,017,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,756,000 | 42,742,000 | 43,540,000 | 44,930,000 |
| Interest-bearing deposits | 36,585,000 | 34,557,000 | 34,422,000 | 35,411,000 |
| Noninterest-bearing deposits | 8,171,000 | 8,185,000 | 9,118,000 | 9,519,000 |
| Equity capital | 4,766,000 | 4,820,000 | 4,852,000 | 4,828,000 |
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 | 757,000 | 1,501,000 | 2,229,000 | 2,938,000 |
| Interest expense | 200,000 | 380,000 | 543,000 | 691,000 |
| Net interest income | 557,000 | 1,121,000 | 1,686,000 | 2,247,000 |
| Noninterest income | 59,000 | 104,000 | 153,000 | 203,000 |
| Noninterest expense | 360,000 | 720,000 | 1,105,000 | 1,479,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 241,000 | 475,000 | 674,000 | 881,000 |
| Income tax | 82,000 | 162,000 | 229,000 | 300,000 |
| Net income | 159,000 | 313,000 | 445,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,766,000 | 4,820,000 | 4,852,000 | 4,828,000 |
| Total capital | 5,014,000 | 5,057,000 | 5,094,000 | 5,079,000 |
| Risk-weighted assets | 19,651,000 | 18,833,000 | 19,273,000 | 20,118,000 |
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