Call reports 2002
ANDALUSIA COMMUNITY BANK — 2002
What ANDALUSIA COMMUNITY 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 | 21,005,000 | 21,996,000 | 20,916,000 | 21,178,000 |
| Total loans | 8,642,000 | 8,902,000 | 9,153,000 | 9,785,000 |
| Allowance for loan losses | 107,000 | 102,000 | 101,000 | 110,000 |
| Securities available for sale | 6,679,000 | 6,824,000 | 6,708,000 | 5,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,651,000 | 18,475,000 | 17,221,000 | 17,311,000 |
| Interest-bearing deposits | 15,732,000 | 16,510,000 | 15,517,000 | 15,427,000 |
| Noninterest-bearing deposits | 1,919,000 | 1,965,000 | 1,704,000 | 1,884,000 |
| Equity capital | 3,094,000 | 3,239,000 | 3,405,000 | 3,440,000 |
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 | 330,000 | 665,000 | 999,000 | 1,312,000 |
| Interest expense | 123,000 | 246,000 | 362,000 | 467,000 |
| Net interest income | 207,000 | 419,000 | 637,000 | 845,000 |
| Noninterest income | 41,000 | 80,000 | 122,000 | 174,000 |
| Noninterest expense | 141,000 | 278,000 | 415,000 | 567,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 112,000 | 230,000 | 353,000 | 451,000 |
| Income tax | 33,000 | 60,000 | 69,000 | 94,000 |
| Net income | 79,000 | 170,000 | 284,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,993,000 | 3,084,000 | 3,198,000 | 3,271,000 |
| Total capital | 3,100,000 | 3,186,000 | 3,299,000 | 3,381,000 |
| Risk-weighted assets | 9,801,000 | 10,240,000 | 10,159,000 | 10,418,000 |
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