Call reports 2002
IPAVA STATE BANK — 2002
What IPAVA 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 | 35,793,000 | 36,649,000 | 37,552,000 | 40,731,000 |
| Total loans | 24,698,000 | 25,552,000 | 26,145,000 | 27,832,000 |
| Allowance for loan losses | 242,000 | 235,000 | 258,000 | 260,000 |
| Securities available for sale | 2,108,000 | 2,107,000 | 2,309,000 | 2,300,000 |
| Securities held to maturity | 6,272,000 | 6,312,000 | 6,316,000 | 6,304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,320,000 | 31,487,000 | 32,222,000 | 35,510,000 |
| Interest-bearing deposits | 30,158,000 | 29,483,000 | 30,176,000 | 32,428,000 |
| Noninterest-bearing deposits | 2,162,000 | 2,004,000 | 2,046,000 | 3,082,000 |
| Equity capital | 3,063,000 | 3,156,000 | 3,257,000 | 3,231,000 |
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 | 611,000 | 1,215,000 | 1,832,000 | 2,454,000 |
| Interest expense | 300,000 | 568,000 | 830,000 | 1,085,000 |
| Net interest income | 311,000 | 647,000 | 1,002,000 | 1,369,000 |
| Noninterest income | 54,000 | 119,000 | 192,000 | 260,000 |
| Noninterest expense | 269,000 | 517,000 | 773,000 | 1,143,000 |
| Provision for loan losses | 2,000 | 12,000 | 35,000 | 50,000 |
| Pretax income | 94,000 | 237,000 | 386,000 | 436,000 |
| Income tax | 25,000 | 75,000 | 125,000 | 128,000 |
| Net income | 69,000 | 162,000 | 261,000 | 308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,045,000 | 3,138,000 | 3,237,000 | 3,214,000 |
| Total capital | 3,287,000 | 3,373,000 | 3,495,000 | 3,474,000 |
| Risk-weighted assets | 24,738,000 | 25,686,000 | 25,973,000 | 27,670,000 |