Call reports 2002
FIRST NATIONAL EXCHANGE BANK — 2002
What FIRST NATIONAL EXCHANGE 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 | 281,871,000 | 267,980,000 | 271,545,000 | 275,555,000 |
| Total loans | 175,491,000 | 160,511,000 | 121,224,000 | 123,787,000 |
| Allowance for loan losses | 893,000 | 904,000 | 955,000 | 985,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 78,883,000 | 79,341,000 | 76,941,000 | 62,988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,693,000 | 251,116,000 | 253,459,000 | 257,230,000 |
| Interest-bearing deposits | 242,673,000 | 231,623,000 | 231,845,000 | 236,372,000 |
| Noninterest-bearing deposits | 20,020,000 | 19,493,000 | 21,614,000 | 20,858,000 |
| Equity capital | 13,411,000 | 14,151,000 | 14,844,000 | 15,079,000 |
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 | 4,564,000 | 8,909,000 | 13,097,000 | 16,651,000 |
| Interest expense | 2,559,000 | 4,765,000 | 6,847,000 | 8,790,000 |
| Net interest income | 2,005,000 | 4,144,000 | 6,250,000 | 7,861,000 |
| Noninterest income | 172,000 | 361,000 | 556,000 | 776,000 |
| Noninterest expense | 1,233,000 | 2,468,000 | 3,685,000 | 5,148,000 |
| Provision for loan losses | 18,000 | 36,000 | 90,000 | 120,000 |
| Pretax income | 926,000 | 2,001,000 | 3,031,000 | 3,369,000 |
| Income tax | 275,000 | 610,000 | 930,000 | 1,033,000 |
| Net income | 651,000 | 1,391,000 | 2,101,000 | 2,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,411,000 | 14,151,000 | 14,844,000 | 15,079,000 |
| Total capital | 14,304,000 | 15,055,000 | 15,799,000 | 16,064,000 |
| Risk-weighted assets | 173,230,000 | 166,846,000 | 153,584,000 | 154,096,000 |