Call reports 2002
CHARLEVOIX STATE BANK — 2002
What CHARLEVOIX 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 | 90,334,000 | 90,230,000 | 101,125,000 | 103,648,000 |
| Total loans | 70,726,000 | 72,657,000 | 76,670,000 | 85,221,000 |
| Allowance for loan losses | 779,000 | 836,000 | 904,000 | 920,000 |
| Securities available for sale | 9,270,000 | 9,137,000 | 11,956,000 | 10,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,445,000 | 77,420,000 | 87,681,000 | 84,885,000 |
| Interest-bearing deposits | 67,644,000 | 60,963,000 | 70,104,000 | 68,290,000 |
| Noninterest-bearing deposits | 13,801,000 | 16,457,000 | 17,577,000 | 16,595,000 |
| Equity capital | 7,016,000 | 7,396,000 | 7,781,000 | 8,099,000 |
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 | 1,503,000 | 3,062,000 | 4,671,000 | 6,352,000 |
| Interest expense | 467,000 | 908,000 | 1,383,000 | 1,852,000 |
| Net interest income | 1,036,000 | 2,154,000 | 3,288,000 | 4,500,000 |
| Noninterest income | 136,000 | 286,000 | 595,000 | 801,000 |
| Noninterest expense | 702,000 | 1,445,000 | 2,344,000 | 3,190,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 416,000 | 881,000 | 1,365,000 | 1,897,000 |
| Income tax | 128,000 | 288,000 | 450,000 | 650,000 |
| Net income | 288,000 | 593,000 | 915,000 | 1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,910,000 | 7,215,000 | 7,537,000 | 7,870,000 |
| Total capital | 7,689,000 | 8,051,000 | 8,441,000 | 8,790,000 |
| Risk-weighted assets | 71,662,000 | 68,051,000 | 77,025,000 | 80,432,000 |
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