Call reports 2002
CITIZENS BANK OF LOGAN, THE — 2002
What CITIZENS BANK OF LOGAN, 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 | 150,310,000 | 151,284,000 | 151,254,000 | 148,463,000 |
| Total loans | 101,404,000 | 104,664,000 | 107,859,000 | 107,736,000 |
| Allowance for loan losses | 3,028,000 | 3,265,000 | 3,238,000 | 2,891,000 |
| Securities available for sale | 30,785,000 | 28,390,000 | 29,715,000 | 28,488,000 |
| Securities held to maturity | 4,533,000 | 3,739,000 | 3,267,000 | 2,744,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,564,000 | 132,334,000 | 131,597,000 | 129,613,000 |
| Interest-bearing deposits | 118,771,000 | 118,397,000 | 116,272,000 | 116,824,000 |
| Noninterest-bearing deposits | 13,793,000 | 13,937,000 | 15,325,000 | 12,789,000 |
| Equity capital | 13,891,000 | 14,601,000 | 15,399,000 | 14,989,000 |
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 | 2,586,000 | 5,072,000 | 7,703,000 | 10,392,000 |
| Interest expense | 1,079,000 | 2,047,000 | 2,898,000 | 3,756,000 |
| Net interest income | 1,507,000 | 3,025,000 | 4,805,000 | 6,636,000 |
| Noninterest income | 260,000 | 658,000 | 914,000 | 1,243,000 |
| Noninterest expense | 1,215,000 | 2,555,000 | 3,933,000 | 5,305,000 |
| Provision for loan losses | 130,000 | 276,000 | 420,000 | 565,000 |
| Pretax income | 564,000 | 994,000 | 1,518,000 | 2,160,000 |
| Income tax | 191,000 | 272,000 | 395,000 | 573,000 |
| Net income | 373,000 | 722,000 | 1,123,000 | 1,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,862,000 | 14,211,000 | 14,612,000 | 14,352,000 |
| Total capital | 15,439,000 | 15,817,000 | 16,264,000 | 15,990,000 |
| Risk-weighted assets | 124,723,000 | 126,854,000 | 130,564,000 | 129,758,000 |