Call reports 2002
ERGO BANK — 2002
What ERGO 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 | 84,103,000 | 79,711,000 | 81,260,000 | 84,125,000 |
| Total loans | 45,573,000 | 46,072,000 | 46,349,000 | 44,565,000 |
| Allowance for loan losses | 741,000 | 752,000 | 776,000 | 722,000 |
| Securities available for sale | 30,114,000 | 28,110,000 | 26,732,000 | 31,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,645,000 | 59,182,000 | 61,194,000 | 64,021,000 |
| Interest-bearing deposits | 58,101,000 | 52,803,000 | 53,932,000 | 56,663,000 |
| Noninterest-bearing deposits | 6,544,000 | 6,379,000 | 7,262,000 | 7,357,000 |
| Equity capital | 11,953,000 | 12,301,000 | 12,581,000 | 12,595,000 |
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 | 1,272,000 | 2,604,000 | 3,901,000 | 5,125,000 |
| Interest expense | 608,000 | 1,190,000 | 1,737,000 | 2,277,000 |
| Net interest income | 664,000 | 1,414,000 | 2,164,000 | 2,848,000 |
| Noninterest income | 97,000 | 166,000 | 255,000 | 362,000 |
| Noninterest expense | 560,000 | 1,135,000 | 1,688,000 | 2,183,000 |
| Provision for loan losses | 21,000 | 43,000 | 64,000 | 67,000 |
| Pretax income | 180,000 | 422,000 | 687,000 | 980,000 |
| Income tax | 27,000 | 72,000 | 127,000 | 179,000 |
| Net income | 153,000 | 350,000 | 560,000 | 801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,729,000 | 11,826,000 | 11,964,000 | 12,073,000 |
| Total capital | 12,376,000 | 12,449,000 | 12,593,000 | 12,694,000 |
| Risk-weighted assets | 51,512,000 | 49,829,000 | 50,195,000 | 49,628,000 |
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