Call reports 2002
BANK OF LUMBER CITY — 2002
What BANK OF LUMBER CITY 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 | 17,248,000 | 17,155,000 | 18,057,000 | 17,608,000 |
| Total loans | 9,525,000 | 9,632,000 | 9,397,000 | 10,940,000 |
| Allowance for loan losses | 308,000 | 301,000 | 324,000 | 302,000 |
| Securities available for sale | 3,096,000 | 3,122,000 | 3,485,000 | 2,612,000 |
| Securities held to maturity | 2,699,000 | 2,284,000 | 2,169,000 | 2,502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,253,000 | 13,992,000 | 14,835,000 | 14,225,000 |
| Interest-bearing deposits | 11,285,000 | 11,456,000 | 11,856,000 | 11,129,000 |
| Noninterest-bearing deposits | 2,968,000 | 2,536,000 | 2,979,000 | 3,096,000 |
| Equity capital | 2,956,000 | 3,062,000 | 3,107,000 | 3,160,000 |
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 | 348,000 | 683,000 | 1,014,000 | 1,335,000 |
| Interest expense | 103,000 | 194,000 | 279,000 | 358,000 |
| Net interest income | 245,000 | 489,000 | 735,000 | 977,000 |
| Noninterest income | 67,000 | 139,000 | 197,000 | 251,000 |
| Noninterest expense | 209,000 | 431,000 | 677,000 | 910,000 |
| Provision for loan losses | 2,000 | 6,000 | 30,000 | 12,000 |
| Pretax income | 101,000 | 191,000 | 225,000 | 306,000 |
| Income tax | 28,000 | 59,000 | 81,000 | 88,000 |
| Net income | 73,000 | 132,000 | 144,000 | 218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,970,000 | 3,029,000 | 3,041,000 | 3,115,000 |
| Total capital | 3,098,000 | 3,156,000 | 3,168,000 | 3,248,000 |
| Risk-weighted assets | 10,032,000 | 9,948,000 | 9,964,000 | 10,450,000 |