Call reports 2002
STATE BANK OF BEMENT — 2002
What STATE BANK OF BEMENT 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 | 53,597,000 | 52,528,000 | 52,659,000 | 52,848,000 |
| Total loans | 30,973,000 | 31,493,000 | 32,775,000 | 33,400,000 |
| Allowance for loan losses | 364,000 | 390,000 | 399,000 | 408,000 |
| Securities available for sale | 1,089,000 | 1,677,000 | 1,682,000 | 1,678,000 |
| Securities held to maturity | 14,326,000 | 13,573,000 | 13,617,000 | 11,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,128,000 | 43,990,000 | 43,850,000 | 45,895,000 |
| Interest-bearing deposits | 41,179,000 | 40,068,000 | 40,159,000 | 40,909,000 |
| Noninterest-bearing deposits | 3,949,000 | 3,922,000 | 3,691,000 | 4,986,000 |
| Equity capital | 8,089,000 | 8,203,000 | 8,343,000 | 6,671,000 |
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 | 849,000 | 1,651,000 | 2,458,000 | 3,242,000 |
| Interest expense | 335,000 | 641,000 | 917,000 | 1,178,000 |
| Net interest income | 514,000 | 1,010,000 | 1,541,000 | 2,064,000 |
| Noninterest income | 80,000 | 158,000 | 239,000 | 339,000 |
| Noninterest expense | 382,000 | 790,000 | 1,190,000 | 1,606,000 |
| Provision for loan losses | 14,000 | 42,000 | 51,000 | 60,000 |
| Pretax income | 198,000 | 336,000 | 539,000 | 737,000 |
| Income tax | 62,000 | 97,000 | 155,000 | 212,000 |
| Net income | 136,000 | 239,000 | 384,000 | 525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,094,000 | 8,191,000 | 8,326,000 | 6,656,000 |
| Total capital | 8,458,000 | 8,581,000 | 8,725,000 | 7,064,000 |
| Risk-weighted assets | 34,181,000 | 34,364,000 | 36,323,000 | 36,749,000 |