Call reports 2002
COMMUNITY STATE BANK OF ORBISONIA — 2002
What COMMUNITY STATE BANK OF ORBISONIA 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 | 142,357,000 | 145,735,000 | 148,682,000 | 151,670,000 |
| Total loans | 116,923,000 | 121,393,000 | 122,878,000 | 124,700,000 |
| Allowance for loan losses | 909,000 | 938,000 | 975,000 | 931,000 |
| Securities available for sale | 7,443,000 | 7,398,000 | 10,848,000 | 10,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,653,000 | 132,634,000 | 134,995,000 | 138,331,000 |
| Interest-bearing deposits | 121,677,000 | 124,159,000 | 126,420,000 | 129,617,000 |
| Noninterest-bearing deposits | 7,976,000 | 8,475,000 | 8,575,000 | 8,714,000 |
| Equity capital | 12,069,000 | 12,312,000 | 12,705,000 | 12,935,000 |
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 | 2,599,000 | 5,216,000 | 7,854,000 | 10,489,000 |
| Interest expense | 1,193,000 | 2,349,000 | 3,493,000 | 4,605,000 |
| Net interest income | 1,406,000 | 2,867,000 | 4,361,000 | 5,884,000 |
| Noninterest income | 140,000 | 316,000 | 514,000 | 691,000 |
| Noninterest expense | 929,000 | 1,952,000 | 2,906,000 | 4,029,000 |
| Provision for loan losses | 83,000 | 165,000 | 248,000 | 330,000 |
| Pretax income | 534,000 | 1,066,000 | 1,721,000 | 2,216,000 |
| Income tax | 163,000 | 330,000 | 545,000 | 688,000 |
| Net income | 371,000 | 736,000 | 1,176,000 | 1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,063,000 | 12,252,000 | 12,612,000 | 12,836,000 |
| Total capital | 12,972,000 | 13,190,000 | 13,587,000 | 13,767,000 |
| Risk-weighted assets | 94,124,000 | 96,712,000 | 97,718,000 | 97,989,000 |