Call reports 2002
MCINTOSH STATE BANK — 2002
What MCINTOSH 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 | 233,414,000 | 230,057,000 | 237,339,000 | 243,162,000 |
| Total loans | 162,542,000 | 165,159,000 | 172,941,000 | 175,626,000 |
| Allowance for loan losses | 2,545,000 | 2,587,000 | 2,665,000 | 2,840,000 |
| Securities available for sale | 43,083,000 | 42,514,000 | 41,362,000 | 42,692,000 |
| Securities held to maturity | 2,780,000 | 2,783,000 | 2,681,000 | 2,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,230,000 | 200,875,000 | 199,834,000 | 204,811,000 |
| Interest-bearing deposits | 186,336,000 | 181,347,000 | 181,391,000 | 184,414,000 |
| Noninterest-bearing deposits | 18,894,000 | 19,528,000 | 18,443,000 | 20,397,000 |
| Equity capital | 20,896,000 | 21,736,000 | 22,819,000 | 23,642,000 |
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 | 3,902,000 | 7,835,000 | 11,845,000 | 15,836,000 |
| Interest expense | 1,611,000 | 3,113,000 | 4,585,000 | 6,044,000 |
| Net interest income | 2,291,000 | 4,722,000 | 7,260,000 | 9,792,000 |
| Noninterest income | 617,000 | 1,245,000 | 1,927,000 | 2,672,000 |
| Noninterest expense | 1,870,000 | 3,791,000 | 5,755,000 | 7,531,000 |
| Provision for loan losses | 72,000 | 140,000 | 244,000 | 437,000 |
| Pretax income | 966,000 | 2,036,000 | 3,188,000 | 4,496,000 |
| Income tax | 318,000 | 674,000 | 1,022,000 | 1,397,000 |
| Net income | 648,000 | 1,362,000 | 2,166,000 | 3,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,984,000 | 20,482,000 | 21,318,000 | 22,153,000 |
| Total capital | 22,112,000 | 22,614,000 | 23,571,000 | 24,450,000 |
| Risk-weighted assets | 169,839,000 | 170,119,000 | 179,856,000 | 183,187,000 |