Call reports 2002
DURAND STATE BANK — 2002
What DURAND 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 | 62,394,000 | 63,902,000 | 65,382,000 | 69,874,000 |
| Total loans | 39,512,000 | 41,524,000 | 44,098,000 | 44,601,000 |
| Allowance for loan losses | 405,000 | 435,000 | 456,000 | 456,000 |
| Securities available for sale | 15,484,000 | 14,962,000 | 13,692,000 | 15,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,479,000 | 56,088,000 | 57,269,000 | 59,832,000 |
| Interest-bearing deposits | 51,311,000 | 51,667,000 | 52,908,000 | 55,488,000 |
| Noninterest-bearing deposits | 4,168,000 | 4,421,000 | 4,361,000 | 4,344,000 |
| Equity capital | 5,076,000 | 5,390,000 | 5,600,000 | 5,535,000 |
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 | 954,000 | 1,925,000 | 2,894,000 | 3,875,000 |
| Interest expense | 440,000 | 853,000 | 1,269,000 | 1,689,000 |
| Net interest income | 514,000 | 1,072,000 | 1,625,000 | 2,186,000 |
| Noninterest income | 77,000 | 144,000 | 221,000 | 320,000 |
| Noninterest expense | 457,000 | 912,000 | 1,379,000 | 1,894,000 |
| Provision for loan losses | 17,000 | 47,000 | 252,000 | 262,000 |
| Pretax income | 96,000 | 236,000 | 389,000 | 524,000 |
| Income tax | 37,000 | 62,000 | 94,000 | 125,000 |
| Net income | 59,000 | 174,000 | 295,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,148,000 | 5,264,000 | 5,384,000 | 5,390,000 |
| Total capital | 5,553,000 | 5,699,000 | 5,840,000 | 5,846,000 |
| Risk-weighted assets | 46,578,000 | 48,622,000 | 50,690,000 | 51,310,000 |