Call reports 2002
KASSON STATE BANK — 2002
What KASSON 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 | 59,937,000 | 59,790,000 | 58,916,000 | 60,183,000 |
| Total loans | 40,588,000 | 40,084,000 | 41,041,000 | 39,785,000 |
| Allowance for loan losses | 318,000 | 390,000 | 433,000 | 428,000 |
| Securities available for sale | 11,085,000 | 10,698,000 | 12,962,000 | 13,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,230,000 | 53,839,000 | 52,867,000 | 53,883,000 |
| Interest-bearing deposits | 43,141,000 | 43,726,000 | 42,326,000 | 43,261,000 |
| Noninterest-bearing deposits | 11,089,000 | 10,113,000 | 10,541,000 | 10,622,000 |
| Equity capital | 5,270,000 | 5,515,000 | 5,596,000 | 5,878,000 |
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 | 1,008,000 | 1,949,000 | 2,919,000 | 3,855,000 |
| Interest expense | 382,000 | 725,000 | 1,053,000 | 1,366,000 |
| Net interest income | 626,000 | 1,224,000 | 1,866,000 | 2,489,000 |
| Noninterest income | 38,000 | 81,000 | 140,000 | 194,000 |
| Noninterest expense | 373,000 | 733,000 | 1,090,000 | 1,613,000 |
| Provision for loan losses | 45,000 | 120,000 | 165,000 | 195,000 |
| Pretax income | 228,000 | 434,000 | 733,000 | 863,000 |
| Income tax | -8,000 | -7,000 | -7,000 | -7,000 |
| Net income | 236,000 | 441,000 | 740,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,072,000 | 5,158,000 | 5,325,000 | 5,421,000 |
| Total capital | 5,390,000 | 5,548,000 | 5,758,000 | 5,849,000 |
| Risk-weighted assets | 47,018,000 | 48,182,000 | 45,036,000 | 46,927,000 |