Call reports 2002
FNB COWETA — 2002
What FNB COWETA 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 | 48,182,000 | 48,026,000 | 49,642,000 | 48,662,000 |
| Total loans | 20,378,000 | 21,885,000 | 23,083,000 | 23,927,000 |
| Allowance for loan losses | 237,000 | 224,000 | 225,000 | 206,000 |
| Securities available for sale | 9,400,000 | 8,482,000 | 8,294,000 | 8,246,000 |
| Securities held to maturity | 8,956,000 | 11,577,000 | 12,068,000 | 12,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,391,000 | 43,935,000 | 45,289,000 | 44,385,000 |
| Interest-bearing deposits | 36,970,000 | 35,180,000 | 37,663,000 | 37,075,000 |
| Noninterest-bearing deposits | 7,421,000 | 8,755,000 | 7,626,000 | 7,310,000 |
| Equity capital | 3,651,000 | 3,855,000 | 4,067,000 | 3,915,000 |
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 | 769,000 | 1,550,000 | 2,362,000 | 3,157,000 |
| Interest expense | 265,000 | 520,000 | 773,000 | 1,027,000 |
| Net interest income | 504,000 | 1,030,000 | 1,589,000 | 2,130,000 |
| Noninterest income | 140,000 | 299,000 | 465,000 | 643,000 |
| Noninterest expense | 521,000 | 1,075,000 | 1,627,000 | 2,297,000 |
| Provision for loan losses | 12,000 | 12,000 | 12,000 | 31,000 |
| Pretax income | 111,000 | 242,000 | 415,000 | 445,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 111,000 | 242,000 | 415,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,417,000 | 3,525,000 | 3,674,000 | 3,570,000 |
| Total capital | 3,654,000 | 3,749,000 | 3,899,000 | 3,776,000 |
| Risk-weighted assets | 22,911,000 | 24,035,000 | 27,153,000 | 27,464,000 |