Call reports 2002
STATE BANK OF HOWARDS GROVE — 2002
What STATE BANK OF HOWARDS GROVE 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 | 70,482,000 | 96,444,000 | 96,862,000 | 101,258,000 |
| Total loans | 42,522,000 | 42,883,000 | 51,370,000 | 56,590,000 |
| Allowance for loan losses | 693,000 | 702,000 | 714,000 | 751,000 |
| Securities available for sale | 11,740,000 | 20,022,000 | 20,254,000 | 18,874,000 |
| Securities held to maturity | 9,255,000 | 10,456,000 | 17,246,000 | 18,712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,841,000 | 76,651,000 | 77,627,000 | 83,854,000 |
| Interest-bearing deposits | 47,134,000 | 71,528,000 | 72,386,000 | 77,556,000 |
| Noninterest-bearing deposits | 4,708,000 | 5,123,000 | 5,241,000 | 6,297,000 |
| Equity capital | 5,407,000 | 7,779,000 | 8,016,000 | 8,015,000 |
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 | 1,069,000 | 2,219,000 | 3,565,000 | 4,995,000 |
| Interest expense | 398,000 | 856,000 | 1,375,000 | 1,864,000 |
| Net interest income | 671,000 | 1,363,000 | 2,190,000 | 3,131,000 |
| Noninterest income | 179,000 | 429,000 | 690,000 | 945,000 |
| Noninterest expense | 550,000 | 1,189,000 | 1,938,000 | 2,754,000 |
| Provision for loan losses | 8,000 | 15,000 | 25,000 | 60,000 |
| Pretax income | 292,000 | 587,000 | 917,000 | 1,262,000 |
| Income tax | 86,000 | 169,000 | 266,000 | 365,000 |
| Net income | 206,000 | 419,000 | 651,000 | 897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,341,000 | 6,973,000 | 7,179,000 | 7,210,000 |
| Total capital | 5,934,000 | 7,638,000 | 7,893,000 | 7,961,000 |
| Risk-weighted assets | 47,331,000 | 53,137,000 | 58,480,000 | 61,325,000 |