Call reports 2002
BANK OF MODESTO — 2002
What BANK OF MODESTO 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 | 19,275,000 | 19,985,000 | 19,897,000 | 20,191,000 |
| Total loans | 12,082,000 | 13,309,000 | 13,875,000 | 13,705,000 |
| Allowance for loan losses | 85,000 | 100,000 | 99,000 | 100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,734,000 | 4,471,000 | 3,712,000 | 4,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,354,000 | 17,025,000 | 16,842,000 | 17,207,000 |
| Interest-bearing deposits | 13,919,000 | 14,951,000 | 14,438,000 | 15,051,000 |
| Noninterest-bearing deposits | 2,435,000 | 2,074,000 | 2,404,000 | 2,156,000 |
| Equity capital | 2,590,000 | 2,637,000 | 2,705,000 | 2,659,000 |
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 | 300,000 | 606,000 | 917,000 | 1,225,000 |
| Interest expense | 107,000 | 206,000 | 311,000 | 412,000 |
| Net interest income | 193,000 | 400,000 | 606,000 | 813,000 |
| Noninterest income | 15,000 | 32,000 | 46,000 | 61,000 |
| Noninterest expense | 115,000 | 240,000 | 354,000 | 525,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 16,000 |
| Pretax income | 93,000 | 177,000 | 283,000 | 333,000 |
| Income tax | 18,000 | 54,000 | 93,000 | 111,000 |
| Net income | 75,000 | 123,000 | 190,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,590,000 | 2,637,000 | 2,705,000 | 2,659,000 |
| Total capital | 2,675,000 | 2,737,000 | 2,804,000 | 2,759,000 |
| Risk-weighted assets | 12,779,000 | 14,024,000 | 14,559,000 | 14,611,000 |