Call reports 2002
BANK OF ELMWOOD — 2002
What BANK OF ELMWOOD 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 | 244,407,000 | 234,329,000 | 243,898,000 | 244,779,000 |
| Total loans | 158,032,000 | 159,909,000 | 162,498,000 | 155,767,000 |
| Allowance for loan losses | 2,194,000 | 2,078,000 | 2,095,000 | 2,012,000 |
| Securities available for sale | 61,389,000 | 54,606,000 | 59,888,000 | 68,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,078,000 | 202,126,000 | 198,215,000 | 198,881,000 |
| Interest-bearing deposits | 172,036,000 | 173,393,000 | 164,747,000 | 165,680,000 |
| Noninterest-bearing deposits | 29,043,000 | 28,733,000 | 33,468,000 | 33,201,000 |
| Equity capital | 14,337,000 | 15,056,000 | 15,526,000 | 15,438,000 |
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 | 3,526,000 | 7,048,000 | 10,628,000 | 13,841,000 |
| Interest expense | 1,123,000 | 2,189,000 | 3,301,000 | 4,296,000 |
| Net interest income | 2,403,000 | 4,859,000 | 7,327,000 | 9,545,000 |
| Noninterest income | 542,000 | 1,099,000 | 1,784,000 | 2,633,000 |
| Noninterest expense | 2,342,000 | 4,799,000 | 7,289,000 | 9,831,000 |
| Provision for loan losses | 0 | 155,000 | 199,000 | 460,000 |
| Pretax income | 603,000 | 1,004,000 | 1,721,000 | 2,008,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 4,000 |
| Net income | 602,000 | 1,003,000 | 1,719,000 | 2,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,838,000 | 13,880,000 | 14,322,000 | 14,509,000 |
| Total capital | 15,683,000 | 15,743,000 | 16,226,000 | 16,366,000 |
| Risk-weighted assets | 147,238,000 | 148,859,000 | 152,147,000 | 148,410,000 |