Call reports 2002
BANK OF TOCCOA, THE — 2002
What BANK OF TOCCOA, 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 | 124,806,000 | 123,428,000 | 130,782,000 | 133,125,000 |
| Total loans | 93,478,000 | 94,975,000 | 95,656,000 | 94,280,000 |
| Allowance for loan losses | 1,816,000 | 1,843,000 | 1,906,000 | 1,915,000 |
| Securities available for sale | 9,266,000 | 9,284,000 | 8,965,000 | 7,908,000 |
| Securities held to maturity | 8,744,000 | 7,746,000 | 7,747,000 | 4,248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,902,000 | 102,080,000 | 106,286,000 | 108,725,000 |
| Interest-bearing deposits | 86,196,000 | 84,969,000 | 89,233,000 | 92,299,000 |
| Noninterest-bearing deposits | 17,706,000 | 17,111,000 | 17,053,000 | 16,426,000 |
| Equity capital | 17,468,000 | 17,825,000 | 18,123,000 | 18,128,000 |
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 | 2,130,000 | 4,212,000 | 6,325,000 | 8,348,000 |
| Interest expense | 813,000 | 1,564,000 | 2,289,000 | 2,991,000 |
| Net interest income | 1,317,000 | 2,648,000 | 4,036,000 | 5,357,000 |
| Noninterest income | 186,000 | 355,000 | 538,000 | 703,000 |
| Noninterest expense | 694,000 | 1,378,000 | 2,122,000 | 2,848,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 749,000 | 1,505,000 | 2,272,000 | 3,032,000 |
| Income tax | 271,000 | 551,000 | 831,000 | 1,094,000 |
| Net income | 478,000 | 954,000 | 1,441,000 | 1,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,533,000 | 17,771,000 | 18,019,000 | 18,044,000 |
| Total capital | 18,519,000 | 18,770,000 | 19,035,000 | 19,065,000 |
| Risk-weighted assets | 78,094,000 | 79,044,000 | 80,359,000 | 80,788,000 |