Call reports 2002
STATE CENTRAL BANK — 2002
What STATE CENTRAL 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 | 187,961,000 | 175,170,000 | 178,833,000 | 178,590,000 |
| Total loans | 133,172,000 | 132,419,000 | 129,899,000 | 119,190,000 |
| Allowance for loan losses | 3,304,000 | 4,439,000 | 4,408,000 | 2,799,000 |
| Securities available for sale | 20,040,000 | 21,388,000 | 21,799,000 | 21,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,991,000 | 135,611,000 | 137,956,000 | 136,511,000 |
| Interest-bearing deposits | 126,060,000 | 119,492,000 | 120,838,000 | 118,791,000 |
| Noninterest-bearing deposits | 16,931,000 | 16,119,000 | 17,118,000 | 17,720,000 |
| Equity capital | 25,218,000 | 25,175,000 | 25,777,000 | 26,340,000 |
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 | 2,793,000 | 5,509,000 | 8,226,000 | 10,708,000 |
| Interest expense | 1,177,000 | 2,220,000 | 3,162,000 | 4,072,000 |
| Net interest income | 1,616,000 | 3,289,000 | 5,064,000 | 6,636,000 |
| Noninterest income | 272,000 | 602,000 | 928,000 | 1,355,000 |
| Noninterest expense | 1,047,000 | 2,134,000 | 3,425,000 | 4,720,000 |
| Provision for loan losses | 0 | 1,140,000 | 1,140,000 | 1,140,000 |
| Pretax income | 847,000 | 632,000 | 1,447,000 | 2,148,000 |
| Income tax | 273,000 | 90,000 | 348,000 | 512,000 |
| Net income | 574,000 | 542,000 | 1,099,000 | 1,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,184,000 | 24,669,000 | 25,110,000 | 25,845,000 |
| Total capital | 26,872,000 | 26,376,000 | 26,809,000 | 27,434,000 |
| Risk-weighted assets | 133,444,000 | 133,807,000 | 133,218,000 | 125,878,000 |
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