Call reports 2002
DECATUR STATE BANK — 2002
What DECATUR STATE 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 | 126,991,000 | 133,594,000 | 132,379,000 | 132,821,000 |
| Total loans | 99,907,000 | 104,642,000 | 103,520,000 | 105,117,000 |
| Allowance for loan losses | 885,000 | 860,000 | 766,000 | 1,104,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,139,000 | 18,151,000 | 18,169,000 | 18,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,315,000 | 95,103,000 | 89,316,000 | 83,725,000 |
| Interest-bearing deposits | 86,215,000 | 83,563,000 | 79,962,000 | 76,043,000 |
| Noninterest-bearing deposits | 12,100,000 | 11,540,000 | 9,354,000 | 7,682,000 |
| Equity capital | 15,566,000 | 16,018,000 | 16,320,000 | 16,622,000 |
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 | 2,313,000 | 4,680,000 | 7,078,000 | 9,483,000 |
| Interest expense | 1,043,000 | 1,971,000 | 2,868,000 | 3,712,000 |
| Net interest income | 1,270,000 | 2,709,000 | 4,210,000 | 5,771,000 |
| Noninterest income | 262,000 | 489,000 | 723,000 | 1,103,000 |
| Noninterest expense | 920,000 | 1,692,000 | 2,624,000 | 3,750,000 |
| Provision for loan losses | 225,000 | 440,000 | 769,000 | 1,144,000 |
| Pretax income | 387,000 | 1,066,000 | 1,540,000 | 1,980,000 |
| Income tax | 70,000 | 297,000 | 469,000 | 607,000 |
| Net income | 317,000 | 769,000 | 1,071,000 | 1,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,566,000 | 16,018,000 | 16,320,000 | 16,622,000 |
| Total capital | 16,451,000 | 16,878,000 | 17,086,000 | 17,726,000 |
| Risk-weighted assets | 98,899,000 | 104,331,000 | 102,884,000 | 103,841,000 |