Call reports 2002
FREEDOM BANK OF SOUTHERN MISSOURI — 2002
What FREEDOM BANK OF SOUTHERN MISSOURI 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 | 30,929,000 | 30,889,000 | 33,322,000 | 35,769,000 |
| Total loans | 20,904,000 | 24,241,000 | 25,571,000 | 27,527,000 |
| Allowance for loan losses | 273,000 | 318,000 | 364,000 | 372,000 |
| Securities available for sale | 3,872,000 | 3,066,000 | 3,283,000 | 2,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,781,000 | 27,592,000 | 28,904,000 | 31,220,000 |
| Interest-bearing deposits | 25,066,000 | 24,599,000 | 25,759,000 | 27,989,000 |
| Noninterest-bearing deposits | 2,715,000 | 2,993,000 | 3,145,000 | 3,231,000 |
| Equity capital | 3,022,000 | 3,147,000 | 3,224,000 | 3,302,000 |
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 | 487,000 | 1,015,000 | 1,579,000 | 2,154,000 |
| Interest expense | 192,000 | 380,000 | 572,000 | 774,000 |
| Net interest income | 295,000 | 635,000 | 1,007,000 | 1,380,000 |
| Noninterest income | 41,000 | 89,000 | 146,000 | 208,000 |
| Noninterest expense | 218,000 | 456,000 | 704,000 | 970,000 |
| Provision for loan losses | 90,000 | 146,000 | 210,000 | 255,000 |
| Pretax income | 28,000 | 122,000 | 239,000 | 363,000 |
| Income tax | 6,000 | 37,000 | 76,000 | 117,000 |
| Net income | 22,000 | 85,000 | 163,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,057,000 | 3,120,000 | 3,198,000 | 3,281,000 |
| Total capital | 3,326,000 | 3,417,000 | 3,511,000 | 3,613,000 |
| Risk-weighted assets | 21,543,000 | 23,737,000 | 24,969,000 | 26,516,000 |