Call reports 2002
BANK OF DELIGHT — 2002
What BANK OF DELIGHT 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 | 74,304,000 | 74,975,000 | 71,719,000 | 71,786,000 |
| Total loans | 41,055,000 | 43,367,000 | 44,249,000 | 43,474,000 |
| Allowance for loan losses | 621,000 | 622,000 | 610,000 | 575,000 |
| Securities available for sale | 234,000 | 232,000 | 229,000 | 227,000 |
| Securities held to maturity | 18,386,000 | 18,385,000 | 18,451,000 | 20,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,180,000 | 62,585,000 | 59,092,000 | 59,032,000 |
| Interest-bearing deposits | 58,250,000 | 58,266,000 | 54,814,000 | 54,868,000 |
| Noninterest-bearing deposits | 3,930,000 | 4,319,000 | 4,278,000 | 4,164,000 |
| Equity capital | 11,748,000 | 12,054,000 | 12,312,000 | 12,459,000 |
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 | 1,031,000 | 2,115,000 | 3,146,000 | 4,148,000 |
| Interest expense | 455,000 | 872,000 | 1,256,000 | 1,620,000 |
| Net interest income | 576,000 | 1,243,000 | 1,890,000 | 2,528,000 |
| Noninterest income | 24,000 | 40,000 | 59,000 | 88,000 |
| Noninterest expense | 254,000 | 515,000 | 764,000 | 1,173,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 357,000 | 780,000 | 1,197,000 | 1,444,000 |
| Income tax | 92,000 | 211,000 | 346,000 | 432,000 |
| Net income | 265,000 | 569,000 | 851,000 | 1,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,629,000 | 11,931,000 | 12,213,000 | 12,368,000 |
| Total capital | 12,204,000 | 12,532,000 | 12,811,000 | 12,943,000 |
| Risk-weighted assets | 45,921,000 | 48,090,000 | 47,828,000 | 47,312,000 |