Call reports 2002
MENARD BANK — 2002
What MENARD 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 | 24,106,000 | 24,256,000 | 24,478,000 | 25,729,000 |
| Total loans | 9,434,000 | 10,622,000 | 11,458,000 | 10,383,000 |
| Allowance for loan losses | 103,000 | 103,000 | 103,000 | 123,000 |
| Securities available for sale | 11,032,000 | 11,153,000 | 9,758,000 | 12,679,000 |
| Securities held to maturity | 250,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,574,000 | 20,483,000 | 20,460,000 | 22,037,000 |
| Interest-bearing deposits | 17,550,000 | 17,282,000 | 17,563,000 | 18,494,000 |
| Noninterest-bearing deposits | 3,024,000 | 3,201,000 | 2,897,000 | 3,543,000 |
| Equity capital | 3,500,000 | 3,742,000 | 3,981,000 | 3,674,000 |
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 | 346,000 | 684,000 | 1,023,000 | 1,352,000 |
| Interest expense | 94,000 | 178,000 | 255,000 | 336,000 |
| Net interest income | 252,000 | 506,000 | 768,000 | 1,016,000 |
| Noninterest income | 27,000 | 52,000 | 84,000 | 149,000 |
| Noninterest expense | 189,000 | 360,000 | 534,000 | 747,000 |
| Provision for loan losses | 0 | 0 | 0 | 21,000 |
| Pretax income | 90,000 | 198,000 | 318,000 | 397,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 87,000 | 192,000 | 309,000 | 385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,358,000 | 3,462,000 | 3,580,000 | 3,341,000 |
| Total capital | 3,461,000 | 3,565,000 | 3,683,000 | 3,464,000 |
| Risk-weighted assets | 12,181,000 | 12,988,000 | 13,659,000 | 13,061,000 |