Call reports 2002
BANK OF ST. FRANCISVILLE — 2002
What BANK OF ST. FRANCISVILLE 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 | 47,847,000 | 47,338,000 | 49,337,000 | 47,097,000 |
| Total loans | 33,481,000 | 34,534,000 | 35,813,000 | 36,268,000 |
| Allowance for loan losses | 738,000 | 768,000 | 666,000 | 744,000 |
| Securities available for sale | 0 | 1,011,000 | 980,000 | 901,000 |
| Securities held to maturity | 3,533,000 | 4,037,000 | 4,280,000 | 4,272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,940,000 | 42,236,000 | 43,248,000 | 42,006,000 |
| Interest-bearing deposits | 33,160,000 | 31,681,000 | 32,325,000 | 30,725,000 |
| Noninterest-bearing deposits | 9,780,000 | 10,555,000 | 10,923,000 | 11,281,000 |
| Equity capital | 4,166,000 | 4,306,000 | 4,506,000 | 4,193,000 |
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 | 811,000 | 1,638,000 | 2,497,000 | 3,358,000 |
| Interest expense | 208,000 | 389,000 | 566,000 | 714,000 |
| Net interest income | 603,000 | 1,249,000 | 1,931,000 | 2,644,000 |
| Noninterest income | 171,000 | 356,000 | 570,000 | 775,000 |
| Noninterest expense | 525,000 | 1,098,000 | 1,677,000 | 2,296,000 |
| Provision for loan losses | 47,000 | 95,000 | 140,000 | 215,000 |
| Pretax income | 202,000 | 412,000 | 684,000 | 908,000 |
| Income tax | 69,000 | 139,000 | 231,000 | 302,000 |
| Net income | 133,000 | 273,000 | 453,000 | 606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,166,000 | 4,306,000 | 4,486,000 | 4,179,000 |
| Total capital | 4,565,000 | 4,711,000 | 4,914,000 | 4,602,000 |
| Risk-weighted assets | 31,545,000 | 32,073,000 | 33,771,000 | 33,555,000 |