Call reports 2002
SALT CREEK VALLEY BANK, THE — 2002
What SALT CREEK VALLEY BANK, 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 | 32,198,000 | 31,343,000 | 34,879,000 | 34,832,000 |
| Total loans | 17,295,000 | 16,977,000 | 17,988,000 | 17,938,000 |
| Allowance for loan losses | 258,000 | 253,000 | 246,000 | 235,000 |
| Securities available for sale | 11,252,000 | 11,519,000 | 13,957,000 | 13,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,918,000 | 26,943,000 | 30,130,000 | 30,253,000 |
| Interest-bearing deposits | 24,177,000 | 23,280,000 | 26,447,000 | 26,197,000 |
| Noninterest-bearing deposits | 3,741,000 | 3,663,000 | 3,683,000 | 4,056,000 |
| Equity capital | 4,142,000 | 4,276,000 | 4,431,000 | 4,427,000 |
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 | 515,000 | 1,002,000 | 1,494,000 | 1,999,000 |
| Interest expense | 190,000 | 359,000 | 516,000 | 674,000 |
| Net interest income | 325,000 | 643,000 | 978,000 | 1,325,000 |
| Noninterest income | 50,000 | 105,000 | 162,000 | 220,000 |
| Noninterest expense | 256,000 | 519,000 | 786,000 | 1,069,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 139,000 | 249,000 | 380,000 | 502,000 |
| Income tax | 42,000 | 74,000 | 115,000 | 155,000 |
| Net income | 97,000 | 175,000 | 265,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,013,000 | 4,090,000 | 4,181,000 | 4,173,000 |
| Total capital | 4,219,000 | 4,293,000 | 4,400,000 | 4,389,000 |
| Risk-weighted assets | 16,468,000 | 16,189,000 | 17,461,000 | 17,269,000 |
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