Call reports 2002
STATE NATIONAL BANK OF FRANKFORT, THE — 2002
What STATE NATIONAL BANK OF FRANKFORT, THE 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 | 122,702,000 | 119,223,000 | 115,282,000 | 121,476,000 |
| Total loans | 66,876,000 | 65,589,000 | 65,745,000 | 61,836,000 |
| Allowance for loan losses | 1,397,000 | 1,372,000 | 1,361,000 | 1,393,000 |
| Securities available for sale | 44,932,000 | 46,778,000 | 44,452,000 | 48,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,687,000 | 101,651,000 | 97,970,000 | 104,009,000 |
| Interest-bearing deposits | 93,644,000 | 89,365,000 | 87,079,000 | 92,286,000 |
| Noninterest-bearing deposits | 11,043,000 | 12,286,000 | 10,891,000 | 11,723,000 |
| Equity capital | 8,923,000 | 9,592,000 | 10,289,000 | 8,933,000 |
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 | 1,893,000 | 3,722,000 | 5,561,000 | 7,314,000 |
| Interest expense | 703,000 | 1,350,000 | 1,952,000 | 2,517,000 |
| Net interest income | 1,190,000 | 2,372,000 | 3,609,000 | 4,797,000 |
| Noninterest income | 96,000 | 191,000 | 295,000 | 377,000 |
| Noninterest expense | 868,000 | 1,770,000 | 2,703,000 | 3,612,000 |
| Provision for loan losses | 7,000 | 7,000 | 7,000 | 559,000 |
| Pretax income | 421,000 | 801,000 | 1,209,000 | 1,020,000 |
| Income tax | 101,000 | 183,000 | 275,000 | 201,000 |
| Net income | 320,000 | 618,000 | 934,000 | 819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,500,000 | 8,798,000 | 9,114,000 | 7,999,000 |
| Total capital | 9,411,000 | 9,690,000 | 10,001,000 | 8,875,000 |
| Risk-weighted assets | 72,391,000 | 70,847,000 | 70,490,000 | 69,572,000 |