Call reports 2002
AREA BANK — 2002
What AREA 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 | 35,760,000 | 35,567,000 | 35,740,000 | 36,968,000 |
| Total loans | 9,483,000 | 9,539,000 | 9,186,000 | 9,055,000 |
| Allowance for loan losses | 332,000 | 346,000 | 383,000 | 393,000 |
| Securities available for sale | 23,789,000 | 23,601,000 | 24,006,000 | 25,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,411,000 | 29,691,000 | 30,280,000 | 30,259,000 |
| Interest-bearing deposits | 27,244,000 | 26,755,000 | 26,984,000 | 26,959,000 |
| Noninterest-bearing deposits | 3,167,000 | 2,936,000 | 3,296,000 | 3,300,000 |
| Equity capital | 3,997,000 | 4,108,000 | 4,097,000 | 4,428,000 |
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 | 512,000 | 1,021,000 | 1,507,000 | 1,990,000 |
| Interest expense | 249,000 | 482,000 | 703,000 | 911,000 |
| Net interest income | 263,000 | 539,000 | 804,000 | 1,079,000 |
| Noninterest income | 34,000 | 67,000 | 95,000 | 122,000 |
| Noninterest expense | 180,000 | 353,000 | 527,000 | 725,000 |
| Provision for loan losses | 15,000 | 33,000 | 48,000 | 63,000 |
| Pretax income | 121,000 | 246,000 | 350,000 | 439,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 121,000 | 246,000 | 350,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,965,000 | 4,023,000 | 4,045,000 | 4,055,000 |
| Total capital | 4,146,000 | 4,206,000 | 4,224,000 | 4,238,000 |
| Risk-weighted assets | 14,347,000 | 14,494,000 | 14,119,000 | 14,404,000 |
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