Call reports 2002
NCW COMMUNITY BANK — 2002
What NCW COMMUNITY 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 | 28,736,000 | 35,710,000 | 35,664,000 | 37,960,000 |
| Total loans | 22,381,000 | 23,145,000 | 24,681,000 | 27,248,000 |
| Allowance for loan losses | 230,000 | 245,000 | 275,000 | 305,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,798,000 | 2,098,000 | 2,099,000 | 2,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,768,000 | 31,679,000 | 31,528,000 | 33,480,000 |
| Interest-bearing deposits | 22,749,000 | 28,631,000 | 28,971,000 | 31,250,000 |
| Noninterest-bearing deposits | 2,019,000 | 3,048,000 | 2,557,000 | 2,230,000 |
| Equity capital | 3,872,000 | 3,901,000 | 3,990,000 | 4,332,000 |
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 | 456,000 | 939,000 | 1,472,000 | 2,022,000 |
| Interest expense | 155,000 | 323,000 | 518,000 | 712,000 |
| Net interest income | 301,000 | 616,000 | 954,000 | 1,310,000 |
| Noninterest income | 13,000 | 33,000 | 53,000 | 101,000 |
| Noninterest expense | 292,000 | 595,000 | 901,000 | 1,242,000 |
| Provision for loan losses | 20,000 | 35,000 | 65,000 | 95,000 |
| Pretax income | 2,000 | 19,000 | 41,000 | 74,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,000 | 19,000 | 41,000 | 74,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,872,000 | 3,901,000 | 3,990,000 | 4,332,000 |
| Total capital | 4,102,000 | 4,146,000 | 4,265,000 | 4,637,000 |
| Risk-weighted assets | 24,210,000 | 26,209,000 | 27,252,000 | 29,989,000 |