Call reports 2002
ACB BANK — 2002
What ACB 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 | 28,743,000 | 28,479,000 | 30,136,000 | 31,281,000 |
| Total loans | 22,754,000 | 23,958,000 | 24,267,000 | 26,161,000 |
| Allowance for loan losses | 328,000 | 367,000 | 330,000 | 393,000 |
| Securities available for sale | 3,295,000 | 3,395,000 | 3,420,000 | 3,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,671,000 | 21,146,000 | 22,834,000 | 22,998,000 |
| Interest-bearing deposits | 20,443,000 | 19,808,000 | 21,310,000 | 21,453,000 |
| Noninterest-bearing deposits | 1,229,000 | 1,338,000 | 1,524,000 | 1,545,000 |
| Equity capital | 2,569,000 | 2,693,000 | 2,745,000 | 2,823,000 |
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 | 496,000 | 1,046,000 | 1,544,000 | 2,057,000 |
| Interest expense | 223,000 | 455,000 | 675,000 | 892,000 |
| Net interest income | 273,000 | 591,000 | 869,000 | 1,165,000 |
| Noninterest income | 27,000 | 65,000 | 84,000 | 126,000 |
| Noninterest expense | 155,000 | 320,000 | 487,000 | 683,000 |
| Provision for loan losses | 24,000 | 72,000 | 94,000 | 118,000 |
| Pretax income | 121,000 | 268,000 | 376,000 | 502,000 |
| Income tax | 43,000 | 92,000 | 133,000 | 178,000 |
| Net income | 78,000 | 176,000 | 243,000 | 324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,578,000 | 2,668,000 | 2,702,000 | 2,784,000 |
| Total capital | 2,857,000 | 2,944,000 | 2,995,000 | 3,098,000 |
| Risk-weighted assets | 22,297,000 | 22,049,000 | 23,406,000 | 25,063,000 |