Call reports 2002
STATE BANK OF MOORHEAD — 2002
What STATE BANK OF MOORHEAD 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 | 114,175,000 | 118,486,000 | 127,800,000 | 128,015,000 |
| Total loans | 92,079,000 | 98,602,000 | 105,535,000 | 101,488,000 |
| Allowance for loan losses | 1,152,000 | 1,202,000 | 1,355,000 | 1,371,000 |
| Securities available for sale | 9,775,000 | 11,965,000 | 9,969,000 | 11,118,000 |
| Securities held to maturity | 775,000 | 571,000 | 480,000 | 394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,216,000 | 107,966,000 | 110,220,000 | 116,262,000 |
| Interest-bearing deposits | 91,808,000 | 95,074,000 | 94,986,000 | 99,045,000 |
| Noninterest-bearing deposits | 12,408,000 | 12,892,000 | 15,233,000 | 17,217,000 |
| Equity capital | 8,707,000 | 9,132,000 | 10,008,000 | 10,431,000 |
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 | 1,778,000 | 3,609,000 | 5,538,000 | 7,435,000 |
| Interest expense | 745,000 | 1,473,000 | 2,180,000 | 2,847,000 |
| Net interest income | 1,033,000 | 2,136,000 | 3,358,000 | 4,588,000 |
| Noninterest income | 126,000 | 231,000 | 353,000 | 530,000 |
| Noninterest expense | 567,000 | 1,133,000 | 1,704,000 | 2,335,000 |
| Provision for loan losses | 30,000 | 80,000 | 240,000 | 270,000 |
| Pretax income | 563,000 | 1,157,000 | 1,770,000 | 2,516,000 |
| Income tax | 225,000 | 463,000 | 708,000 | 1,007,000 |
| Net income | 338,000 | 694,000 | 1,062,000 | 1,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,595,000 | 8,951,000 | 9,819,000 | 10,267,000 |
| Total capital | 9,747,000 | 10,153,000 | 11,139,000 | 11,562,000 |
| Risk-weighted assets | 94,220,000 | 99,905,000 | 107,090,000 | 103,732,000 |