Call reports 2002
FIRST NATIONAL BANK OF MERTZON, THE — 2002
What FIRST NATIONAL BANK OF MERTZON, 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 | 114,896,000 | 115,765,000 | 113,352,000 | 116,741,000 |
| Total loans | 30,189,000 | 30,813,000 | 29,697,000 | 30,958,000 |
| Allowance for loan losses | 494,000 | 479,000 | 538,000 | 637,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 62,069,000 | 60,697,000 | 67,802,000 | 62,323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,055,000 | 100,667,000 | 98,020,000 | 101,752,000 |
| Interest-bearing deposits | 83,316,000 | 82,876,000 | 81,950,000 | 83,987,000 |
| Noninterest-bearing deposits | 16,739,000 | 17,791,000 | 16,070,000 | 17,765,000 |
| Equity capital | 14,328,000 | 14,704,000 | 15,007,000 | 14,742,000 |
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 | 1,388,000 | 2,732,000 | 4,074,000 | 5,363,000 |
| Interest expense | 335,000 | 650,000 | 960,000 | 1,250,000 |
| Net interest income | 1,053,000 | 2,082,000 | 3,114,000 | 4,113,000 |
| Noninterest income | 66,000 | 129,000 | 194,000 | 259,000 |
| Noninterest expense | 591,000 | 1,210,000 | 1,844,000 | 2,619,000 |
| Provision for loan losses | 0 | 10,000 | 70,000 | 145,000 |
| Pretax income | 528,000 | 991,000 | 1,394,000 | 1,608,000 |
| Income tax | 96,000 | 184,000 | 284,000 | 238,000 |
| Net income | 432,000 | 807,000 | 1,110,000 | 1,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,328,000 | 14,704,000 | 15,007,000 | 14,742,000 |
| Total capital | 14,822,000 | 15,183,000 | 15,545,000 | 15,293,000 |
| Risk-weighted assets | 44,968,000 | 43,702,000 | 42,757,000 | 44,016,000 |
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