Call reports 2002
SMALL BUSINESS BANK — 2002
What SMALL BUSINESS 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 | 64,231,000 | 67,391,000 | 67,502,000 | 66,717,000 |
| Total loans | 46,879,000 | 50,846,000 | 50,951,000 | 51,260,000 |
| Allowance for loan losses | 454,000 | 515,000 | 500,000 | 532,000 |
| Securities available for sale | 8,303,000 | 6,037,000 | 6,155,000 | 7,467,000 |
| Securities held to maturity | 3,802,000 | 3,996,000 | 3,688,000 | 1,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,250,000 | 57,794,000 | 58,235,000 | 58,206,000 |
| Interest-bearing deposits | 48,793,000 | 49,778,000 | 49,943,000 | 50,001,000 |
| Noninterest-bearing deposits | 7,457,000 | 8,016,000 | 8,292,000 | 8,206,000 |
| Equity capital | 4,851,000 | 4,964,000 | 5,148,000 | 5,207,000 |
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 | 1,084,000 | 2,190,000 | 3,307,000 | 4,393,000 |
| Interest expense | 430,000 | 825,000 | 1,230,000 | 1,606,000 |
| Net interest income | 654,000 | 1,365,000 | 2,077,000 | 2,787,000 |
| Noninterest income | 141,000 | 291,000 | 472,000 | 667,000 |
| Noninterest expense | 612,000 | 1,276,000 | 1,951,000 | 2,742,000 |
| Provision for loan losses | 18,000 | 117,000 | 136,000 | 221,000 |
| Pretax income | 165,000 | 324,000 | 523,000 | 697,000 |
| Income tax | 52,000 | 102,000 | 151,000 | 224,000 |
| Net income | 113,000 | 222,000 | 372,000 | 473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,819,000 | 4,928,000 | 5,079,000 | 5,188,000 |
| Total capital | 5,273,000 | 5,443,000 | 5,579,000 | 5,720,000 |
| Risk-weighted assets | 45,908,000 | 49,552,000 | 50,095,000 | 50,160,000 |