Call reports 2002
SILVER FALLS BANK — 2002
What SILVER FALLS 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 | 33,303,000 | 35,772,000 | 39,625,000 | 41,800,000 |
| Total loans | 27,628,000 | 30,962,000 | 36,156,000 | 35,860,000 |
| Allowance for loan losses | 259,000 | 347,000 | 446,000 | 495,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,723,000 | 1,422,000 | 1,420,000 | 1,418,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,454,000 | 30,797,000 | 33,830,000 | 36,172,000 |
| Interest-bearing deposits | 27,288,000 | 29,150,000 | 32,597,000 | 34,394,000 |
| Noninterest-bearing deposits | 1,166,000 | 1,647,000 | 1,233,000 | 1,778,000 |
| Equity capital | 4,728,000 | 4,856,000 | 5,007,000 | 4,958,000 |
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 | 648,000 | 1,415,000 | 2,308,000 | 3,207,000 |
| Interest expense | 234,000 | 479,000 | 731,000 | 990,000 |
| Net interest income | 414,000 | 936,000 | 1,577,000 | 2,217,000 |
| Noninterest income | 8,000 | 15,000 | 23,000 | 38,000 |
| Noninterest expense | 204,000 | 422,000 | 654,000 | 904,000 |
| Provision for loan losses | 63,000 | 151,000 | 250,000 | 894,000 |
| Pretax income | 155,000 | 378,000 | 696,000 | 457,000 |
| Income tax | 49,000 | 145,000 | 312,000 | 122,000 |
| Net income | 106,000 | 233,000 | 384,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,728,000 | 4,856,000 | 5,007,000 | 4,958,000 |
| Total capital | 4,987,000 | 5,203,000 | 5,453,000 | 5,429,000 |
| Risk-weighted assets | 28,849,000 | 31,719,000 | 37,058,000 | 37,671,000 |