Call reports 2002
CREDICARD NATIONAL BANK — 2002
What CREDICARD NATIONAL 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 | 10,544,000 | 8,776,000 | 8,883,000 | 10,298,000 |
| Total loans | 7,686,000 | 7,388,000 | 7,091,000 | 8,217,000 |
| Allowance for loan losses | 100,000 | 100,000 | 102,000 | 115,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,924,000 | 6,125,000 | 6,241,000 | 7,605,000 |
| Interest-bearing deposits | 7,351,000 | 5,853,000 | 5,837,000 | 7,361,000 |
| Noninterest-bearing deposits | 573,000 | 272,000 | 404,000 | 244,000 |
| Equity capital | 2,582,000 | 2,633,000 | 2,619,000 | 2,665,000 |
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 | 449,000 | 882,000 | 1,285,000 | 1,733,000 |
| Interest expense | 81,000 | 153,000 | 219,000 | 284,000 |
| Net interest income | 368,000 | 729,000 | 1,066,000 | 1,449,000 |
| Noninterest income | 1,000 | 2,000 | 4,000 | 4,000 |
| Noninterest expense | 249,000 | 508,000 | 794,000 | 1,096,000 |
| Provision for loan losses | 38,000 | 51,000 | 78,000 | 113,000 |
| Pretax income | 82,000 | 172,000 | 198,000 | 244,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 172,000 | 198,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,582,000 | 2,633,000 | 2,619,000 | 2,665,000 |
| Total capital | 2,682,000 | 2,733,000 | 2,719,000 | 2,780,000 |
| Risk-weighted assets | 8,790,000 | 8,201,000 | 7,977,000 | 9,160,000 |