Call reports 2002
BANK OF EPHRAIM — 2002
What BANK OF EPHRAIM 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 | 51,533,000 | 51,516,000 | 56,016,000 | 56,491,000 |
| Total loans | 35,960,000 | 37,427,000 | 37,937,000 | 37,901,000 |
| Allowance for loan losses | 701,000 | 842,000 | 954,000 | 995,000 |
| Securities available for sale | 0 | 807,000 | 765,000 | 1,051,000 |
| Securities held to maturity | 4,098,000 | 3,880,000 | 6,160,000 | 5,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,267,000 | 46,273,000 | 50,760,000 | 51,202,000 |
| Interest-bearing deposits | 35,196,000 | 36,003,000 | 39,900,000 | 38,868,000 |
| Noninterest-bearing deposits | 11,070,000 | 10,270,000 | 10,860,000 | 12,334,000 |
| Equity capital | 5,039,000 | 5,018,000 | 5,027,000 | 5,071,000 |
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 | 893,000 | 1,827,000 | 2,729,000 | 3,611,000 |
| Interest expense | 244,000 | 493,000 | 753,000 | 999,000 |
| Net interest income | 649,000 | 1,334,000 | 1,976,000 | 2,612,000 |
| Noninterest income | 115,000 | 247,000 | 375,000 | 514,000 |
| Noninterest expense | 488,000 | 984,000 | 1,481,000 | 2,049,000 |
| Provision for loan losses | 116,000 | 278,000 | 528,000 | 685,000 |
| Pretax income | 160,000 | 319,000 | 342,000 | 392,000 |
| Income tax | 0 | 100,000 | 120,000 | 127,000 |
| Net income | 160,000 | 219,000 | 222,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,039,000 | 5,018,000 | 5,021,000 | 5,065,000 |
| Total capital | 5,528,000 | 5,529,000 | 5,547,000 | 5,606,000 |
| Risk-weighted assets | 38,877,000 | 40,523,000 | 41,694,000 | 42,817,000 |