Call reports 2002
DRUMMOND COMMUNITY BANK — 2002
What DRUMMOND COMMUNITY BANK 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 | 111,787,000 | 111,676,000 | 117,878,000 | 119,995,000 |
| Total loans | 67,466,000 | 69,559,000 | 69,951,000 | 74,271,000 |
| Allowance for loan losses | 862,000 | 926,000 | 1,042,000 | 1,018,000 |
| Securities available for sale | 33,224,000 | 31,273,000 | 36,921,000 | 33,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,632,000 | 90,751,000 | 91,277,000 | 99,779,000 |
| Interest-bearing deposits | 68,561,000 | 65,795,000 | 68,374,000 | 75,925,000 |
| Noninterest-bearing deposits | 24,071,000 | 24,956,000 | 22,903,000 | 23,854,000 |
| Equity capital | 10,537,000 | 11,393,000 | 12,698,000 | 13,215,000 |
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 | 2,019,000 | 4,099,000 | 6,210,000 | 8,361,000 |
| Interest expense | 542,000 | 1,019,000 | 1,477,000 | 1,877,000 |
| Net interest income | 1,477,000 | 3,080,000 | 4,733,000 | 6,484,000 |
| Noninterest income | 231,000 | 487,000 | 787,000 | 1,254,000 |
| Noninterest expense | 1,057,000 | 2,131,000 | 3,245,000 | 4,524,000 |
| Provision for loan losses | 45,000 | 104,000 | 170,000 | 236,000 |
| Pretax income | 606,000 | 1,332,000 | 2,105,000 | 3,014,000 |
| Income tax | 173,000 | 391,000 | 617,000 | 872,000 |
| Net income | 433,000 | 941,000 | 1,488,000 | 2,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,587,000 | 11,094,000 | 11,556,000 | 12,206,000 |
| Total capital | 11,449,000 | 11,980,000 | 12,462,000 | 13,151,000 |
| Risk-weighted assets | 70,124,000 | 70,847,000 | 72,349,000 | 75,539,000 |