Call reports 2002
BCBANK, INC. — 2002
What BCBANK, INC. 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 | 82,928,000 | 82,957,000 | 83,616,000 | 85,967,000 |
| Total loans | 27,521,000 | 28,308,000 | 29,253,000 | 29,264,000 |
| Allowance for loan losses | 357,000 | 363,000 | 386,000 | 389,000 |
| Securities available for sale | 48,596,000 | 48,607,000 | 47,036,000 | 50,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,829,000 | 70,427,000 | 70,172,000 | 72,501,000 |
| Interest-bearing deposits | 65,873,000 | 64,841,000 | 64,712,000 | 67,280,000 |
| Noninterest-bearing deposits | 4,956,000 | 5,586,000 | 5,460,000 | 5,221,000 |
| Equity capital | 11,698,000 | 11,924,000 | 12,493,000 | 12,460,000 |
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 | 1,189,000 | 2,370,000 | 3,508,000 | 4,627,000 |
| Interest expense | 559,000 | 1,095,000 | 1,580,000 | 2,053,000 |
| Net interest income | 630,000 | 1,275,000 | 1,928,000 | 2,574,000 |
| Noninterest income | 27,000 | 58,000 | 90,000 | 125,000 |
| Noninterest expense | 426,000 | 909,000 | 1,394,000 | 1,925,000 |
| Provision for loan losses | 27,000 | 54,000 | 75,000 | 84,000 |
| Pretax income | 204,000 | -46,000 | 188,000 | 329,000 |
| Income tax | 71,000 | -51,000 | 36,000 | 71,000 |
| Net income | 133,000 | 5,000 | 152,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,604,000 | 11,268,000 | 11,415,000 | 11,313,000 |
| Total capital | 11,961,000 | 11,631,000 | 11,801,000 | 11,702,000 |
| Risk-weighted assets | 37,810,000 | 37,864,000 | 37,617,000 | 38,200,000 |
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