Call reports 2002
ENVISION BANK — 2002
What ENVISION 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 | 290,921,000 | 298,803,000 | 309,095,000 | 315,953,000 |
| Total loans | 174,314,000 | 177,390,000 | 176,796,000 | 173,718,000 |
| Allowance for loan losses | 1,291,000 | 1,350,000 | 1,412,000 | 1,455,000 |
| Securities available for sale | 91,671,000 | 96,616,000 | 108,118,000 | 119,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,787,000 | 269,145,000 | 271,233,000 | 276,961,000 |
| Interest-bearing deposits | 247,540,000 | 247,863,000 | 249,737,000 | 256,910,000 |
| Noninterest-bearing deposits | 17,247,000 | 21,282,000 | 21,496,000 | 20,051,000 |
| Equity capital | 24,331,000 | 26,190,000 | 27,166,000 | 28,542,000 |
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 | 4,310,000 | 8,699,000 | 13,073,000 | 17,302,000 |
| Interest expense | 1,727,000 | 3,384,000 | 4,973,000 | 6,511,000 |
| Net interest income | 2,583,000 | 5,315,000 | 8,100,000 | 10,791,000 |
| Noninterest income | 425,000 | 841,000 | 1,283,000 | 1,864,000 |
| Noninterest expense | 1,934,000 | 3,933,000 | 5,928,000 | 8,122,000 |
| Provision for loan losses | 66,000 | 133,000 | 202,000 | 225,000 |
| Pretax income | 1,009,000 | 2,091,000 | 3,254,000 | 4,284,000 |
| Income tax | 343,000 | 715,000 | 1,129,000 | 1,450,000 |
| Net income | 666,000 | 1,376,000 | 2,125,000 | 2,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,478,000 | 25,124,000 | 25,869,000 | 27,011,000 |
| Total capital | 25,769,000 | 26,474,000 | 27,281,000 | 28,466,000 |
| Risk-weighted assets | 165,385,000 | 169,113,000 | 172,419,000 | 174,543,000 |