Call reports 2002
WHITE OAK STATE BANK — 2002
What WHITE OAK STATE 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 | 36,264,000 | 35,934,000 | 37,089,000 | 37,451,000 |
| Total loans | 22,485,000 | 22,943,000 | 23,741,000 | 24,180,000 |
| Allowance for loan losses | 196,000 | 188,000 | 187,000 | 170,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,039,000 | 32,539,000 | 33,217,000 | 33,615,000 |
| Interest-bearing deposits | 24,347,000 | 24,092,000 | 25,199,000 | 24,647,000 |
| Noninterest-bearing deposits | 8,692,000 | 8,447,000 | 8,018,000 | 8,968,000 |
| Equity capital | 2,295,000 | 2,284,000 | 2,290,000 | 2,305,000 |
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 | 583,000 | 1,149,000 | 1,717,000 | 2,272,000 |
| Interest expense | 170,000 | 323,000 | 478,000 | 630,000 |
| Net interest income | 413,000 | 826,000 | 1,239,000 | 1,642,000 |
| Noninterest income | 113,000 | 231,000 | 366,000 | 504,000 |
| Noninterest expense | 428,000 | 868,000 | 1,301,000 | 1,742,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 98,000 | 189,000 | 304,000 | 404,000 |
| Income tax | 33,000 | 60,000 | 101,000 | 137,000 |
| Net income | 65,000 | 129,000 | 203,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,295,000 | 2,284,000 | 2,290,000 | 2,305,000 |
| Total capital | 2,491,000 | 2,472,000 | 2,477,000 | 2,475,000 |
| Risk-weighted assets | 23,186,000 | 23,373,000 | 24,444,000 | 23,712,000 |
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