Call reports 2002
LOCAL BANK — 2002
What LOCAL 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 | 70,239,000 | 70,933,000 | 72,746,000 | 74,038,000 |
| Total loans | 47,171,000 | 45,158,000 | 46,687,000 | 47,855,000 |
| Allowance for loan losses | 361,000 | 351,000 | 415,000 | 366,000 |
| Securities available for sale | 12,705,000 | 15,414,000 | 16,056,000 | 17,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,965,000 | 64,186,000 | 65,053,000 | 65,844,000 |
| Interest-bearing deposits | 57,309,000 | 57,212,000 | 57,148,000 | 58,528,000 |
| Noninterest-bearing deposits | 6,656,000 | 6,974,000 | 7,905,000 | 7,316,000 |
| Equity capital | 4,732,000 | 5,133,000 | 5,460,000 | 5,490,000 |
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 | 1,178,000 | 2,357,000 | 3,639,000 | 4,892,000 |
| Interest expense | 462,000 | 879,000 | 1,261,000 | 1,613,000 |
| Net interest income | 716,000 | 1,478,000 | 2,378,000 | 3,279,000 |
| Noninterest income | 85,000 | 193,000 | 624,000 | 737,000 |
| Noninterest expense | 599,000 | 1,202,000 | 1,832,000 | 2,572,000 |
| Provision for loan losses | 81,000 | 162,000 | 250,000 | 270,000 |
| Pretax income | 121,000 | 307,000 | 1,065,000 | 1,319,000 |
| Income tax | 0 | 40,000 | 140,000 | 321,000 |
| Net income | 121,000 | 267,000 | 925,000 | 998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,944,000 | 5,033,000 | 5,371,000 | 5,299,000 |
| Total capital | 5,305,000 | 5,384,000 | 5,786,000 | 5,665,000 |
| Risk-weighted assets | 44,067,000 | 43,537,000 | 44,619,000 | 45,974,000 |