Call reports 2002
STATE BANK OF CARBONDALE — 2002
What STATE BANK OF CARBONDALE 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 | 16,513,000 | 15,687,000 | 15,746,000 | 15,331,000 |
| Total loans | 8,039,000 | 8,033,000 | 7,941,000 | 8,182,000 |
| Allowance for loan losses | 138,000 | 135,000 | 135,000 | 135,000 |
| Securities available for sale | 5,734,000 | 5,554,000 | 5,456,000 | 5,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,080,000 | 14,205,000 | 14,241,000 | 13,822,000 |
| Interest-bearing deposits | 13,192,000 | 12,232,000 | 11,966,000 | 11,853,000 |
| Noninterest-bearing deposits | 1,888,000 | 1,973,000 | 2,275,000 | 1,969,000 |
| Equity capital | 1,254,000 | 1,305,000 | 1,308,000 | 1,321,000 |
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 | 242,000 | 479,000 | 703,000 | 919,000 |
| Interest expense | 96,000 | 183,000 | 260,000 | 331,000 |
| Net interest income | 146,000 | 296,000 | 443,000 | 588,000 |
| Noninterest income | 33,000 | 70,000 | 108,000 | 148,000 |
| Noninterest expense | 150,000 | 301,000 | 459,000 | 626,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 29,000 | 65,000 | 92,000 | 110,000 |
| Income tax | 5,000 | 13,000 | 17,000 | 18,000 |
| Net income | 24,000 | 52,000 | 75,000 | 92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,225,000 | 1,253,000 | 1,252,000 | 1,269,000 |
| Total capital | 1,329,000 | 1,353,000 | 1,353,000 | 1,371,000 |
| Risk-weighted assets | 8,299,000 | 7,966,000 | 8,012,000 | 8,099,000 |