Call reports 2002
FIRST STATE BANK OF NEWCASTLE — 2002
What FIRST STATE BANK OF NEWCASTLE 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 | 89,356,000 | 87,879,000 | 90,991,000 | 95,450,000 |
| Total loans | 30,725,000 | 32,635,000 | 33,743,000 | 33,492,000 |
| Allowance for loan losses | 340,000 | 345,000 | 340,000 | 352,000 |
| Securities available for sale | 42,458,000 | 41,861,000 | 38,955,000 | 48,256,000 |
| Securities held to maturity | 10,553,000 | 10,507,000 | 10,470,000 | 10,289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,992,000 | 70,054,000 | 72,540,000 | 75,479,000 |
| Interest-bearing deposits | 62,972,000 | 60,224,000 | 62,023,000 | 64,480,000 |
| Noninterest-bearing deposits | 10,020,000 | 9,830,000 | 10,517,000 | 10,999,000 |
| Equity capital | 16,105,000 | 17,338,000 | 17,968,000 | 17,567,000 |
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 | 1,366,000 | 2,748,000 | 4,079,000 | 5,415,000 |
| Interest expense | 442,000 | 872,000 | 1,285,000 | 1,689,000 |
| Net interest income | 924,000 | 1,876,000 | 2,794,000 | 3,726,000 |
| Noninterest income | 76,000 | 150,000 | 238,000 | 321,000 |
| Noninterest expense | 418,000 | 836,000 | 1,255,000 | 1,854,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 647,000 | 1,317,000 | 1,947,000 | 2,313,000 |
| Income tax | 120,000 | 255,000 | 405,000 | 533,000 |
| Net income | 527,000 | 1,062,000 | 1,542,000 | 1,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,125,000 | 16,817,000 | 17,298,000 | 16,838,000 |
| Total capital | 16,465,000 | 17,162,000 | 17,638,000 | 17,190,000 |
| Risk-weighted assets | 41,714,000 | 43,018,000 | 43,909,000 | 44,966,000 |