Call reports 2002
FALLS BANK — 2002
What FALLS 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 | 55,413,000 | 61,151,000 | 67,963,000 | 68,761,000 |
| Total loans | 43,715,000 | 46,799,000 | 51,455,000 | 52,219,000 |
| Allowance for loan losses | 453,000 | 498,000 | 552,000 | 589,000 |
| Securities available for sale | 4,747,000 | 6,667,000 | 11,012,000 | 9,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,219,000 | 40,842,000 | 41,483,000 | 42,048,000 |
| Interest-bearing deposits | 34,336,000 | 39,466,000 | 40,385,000 | 40,813,000 |
| Noninterest-bearing deposits | 883,000 | 1,376,000 | 1,098,000 | 1,235,000 |
| Equity capital | 6,623,000 | 6,708,000 | 6,836,000 | 7,096,000 |
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 | 831,000 | 1,721,000 | 2,675,000 | 3,707,000 |
| Interest expense | 355,000 | 768,000 | 1,214,000 | 1,668,000 |
| Net interest income | 476,000 | 953,000 | 1,461,000 | 2,039,000 |
| Noninterest income | 11,000 | 18,000 | 26,000 | 76,000 |
| Noninterest expense | 302,000 | 610,000 | 954,000 | 1,298,000 |
| Provision for loan losses | 28,000 | 73,000 | 127,000 | 164,000 |
| Pretax income | 157,000 | 288,000 | 406,000 | 653,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 157,000 | 288,000 | 406,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,503,000 | 6,635,000 | 6,753,000 | 6,998,000 |
| Total capital | 6,883,000 | 7,036,000 | 7,209,000 | 7,467,000 |
| Risk-weighted assets | 30,360,000 | 31,988,000 | 36,416,000 | 37,391,000 |