Call reports 2002
BEAR STATE BANK — 2002
What BEAR STATE 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 | 127,300,000 | 131,180,000 | 128,848,000 | 131,327,000 |
| Total loans | 95,658,000 | 100,482,000 | 101,978,000 | 105,587,000 |
| Allowance for loan losses | 1,398,000 | 1,458,000 | 1,525,000 | 1,599,000 |
| Securities available for sale | 4,395,000 | 4,444,000 | 4,488,000 | 6,978,000 |
| Securities held to maturity | 14,006,000 | 11,357,000 | 8,410,000 | 5,632,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,033,000 | 99,681,000 | 96,908,000 | 96,294,000 |
| Interest-bearing deposits | 86,048,000 | 87,709,000 | 82,891,000 | 82,628,000 |
| Noninterest-bearing deposits | 13,985,000 | 11,972,000 | 14,017,000 | 13,666,000 |
| Equity capital | 16,461,000 | 16,797,000 | 17,182,000 | 17,559,000 |
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 | 2,067,000 | 4,210,000 | 6,330,000 | 8,404,000 |
| Interest expense | 870,000 | 1,701,000 | 2,464,000 | 3,174,000 |
| Net interest income | 1,197,000 | 2,509,000 | 3,866,000 | 5,230,000 |
| Noninterest income | 211,000 | 425,000 | 702,000 | 1,024,000 |
| Noninterest expense | 975,000 | 1,966,000 | 2,988,000 | 3,999,000 |
| Provision for loan losses | 60,000 | 135,000 | 210,000 | 285,000 |
| Pretax income | 373,000 | 833,000 | 1,370,000 | 1,970,000 |
| Income tax | 135,000 | 303,000 | 495,000 | 723,000 |
| Net income | 238,000 | 530,000 | 875,000 | 1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,017,000 | 16,310,000 | 16,655,000 | 17,027,000 |
| Total capital | 17,216,000 | 17,514,000 | 17,870,000 | 18,227,000 |
| Risk-weighted assets | 95,766,000 | 96,098,000 | 96,933,000 | 95,573,000 |
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