Call reports 2002
FLAG BANK — 2002
What FLAG 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 | 522,265,000 | 533,962,000 | 555,308,000 | 631,879,000 |
| Total loans | 348,620,000 | 362,017,000 | 391,442,000 | 394,278,000 |
| Allowance for loan losses | 7,530,000 | 7,662,000 | 7,297,000 | 6,888,000 |
| Securities available for sale | 121,768,000 | 124,144,000 | 118,048,000 | 138,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,756,000 | 423,489,000 | 432,649,000 | 512,951,000 |
| Interest-bearing deposits | 391,762,000 | 375,357,000 | 383,786,000 | 470,011,000 |
| Noninterest-bearing deposits | 45,994,000 | 48,132,000 | 48,863,000 | 42,940,000 |
| Equity capital | 48,899,000 | 48,054,000 | 49,692,000 | 55,268,000 |
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 | 8,693,000 | 17,921,000 | 27,532,000 | 36,648,000 |
| Interest expense | 3,601,000 | 6,484,000 | 9,352,000 | 12,329,000 |
| Net interest income | 5,092,000 | 11,437,000 | 18,180,000 | 24,319,000 |
| Noninterest income | 1,317,000 | 3,010,000 | 4,996,000 | 7,429,000 |
| Noninterest expense | 10,566,000 | 16,850,000 | 23,393,000 | 29,697,000 |
| Provision for loan losses | 4,054,000 | 4,204,000 | 4,399,000 | 4,549,000 |
| Pretax income | -8,208,000 | -6,622,000 | -4,631,000 | -2,510,000 |
| Income tax | -3,278,000 | -2,938,000 | -2,320,000 | -1,718,000 |
| Net income | -5,096,000 | -3,850,000 | -2,477,000 | -958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,247,000 | 39,585,000 | 40,916,000 | 40,436,000 |
| Total capital | 46,378,000 | 44,828,000 | 46,527,000 | 46,111,000 |
| Risk-weighted assets | 408,094,000 | 417,009,000 | 447,197,000 | 452,800,000 |
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