Call reports 2002
STATE BANK OF DELPHOS — 2002
What STATE BANK OF DELPHOS 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 | 27,515,000 | 27,900,000 | 26,984,000 | 26,914,000 |
| Total loans | 21,240,000 | 22,372,000 | 22,063,000 | 21,710,000 |
| Allowance for loan losses | 399,000 | 400,000 | 425,000 | 435,000 |
| Securities available for sale | 1,951,000 | 1,585,000 | 1,606,000 | 2,123,000 |
| Securities held to maturity | 1,482,000 | 1,480,000 | 1,450,000 | 1,128,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,631,000 | 22,563,000 | 21,688,000 | 21,621,000 |
| Interest-bearing deposits | 20,202,000 | 20,128,000 | 19,378,000 | 19,506,000 |
| Noninterest-bearing deposits | 2,429,000 | 2,435,000 | 2,310,000 | 2,115,000 |
| Equity capital | 1,894,000 | 1,941,000 | 2,279,000 | 2,280,000 |
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 | 518,000 | 1,004,000 | 1,483,000 | 1,953,000 |
| Interest expense | 205,000 | 399,000 | 582,000 | 788,000 |
| Net interest income | 313,000 | 605,000 | 901,000 | 1,165,000 |
| Noninterest income | 49,000 | 80,000 | 128,000 | 178,000 |
| Noninterest expense | 205,000 | 377,000 | 575,000 | 876,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 50,000 |
| Pretax income | 157,000 | 308,000 | 429,000 | 417,000 |
| Income tax | 5,000 | 8,000 | 11,000 | 0 |
| Net income | 152,000 | 300,000 | 418,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,843,000 | 1,871,000 | 2,189,000 | 2,187,000 |
| Total capital | 2,121,000 | 2,149,000 | 2,438,000 | 2,452,000 |
| Risk-weighted assets | 22,153,000 | 22,137,000 | 19,723,000 | 21,069,000 |