Call reports 2002
COPPER STAR BANK — 2002
What COPPER STAR 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 | 39,645,000 | 38,416,000 | 44,711,000 | 46,384,000 |
| Total loans | 33,311,000 | 33,258,000 | 32,581,000 | 35,067,000 |
| Allowance for loan losses | 580,000 | 460,000 | 466,000 | 436,000 |
| Securities available for sale | 0 | 0 | 1,031,000 | 1,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,950,000 | 33,382,000 | 40,190,000 | 41,134,000 |
| Interest-bearing deposits | 28,884,000 | 27,823,000 | 34,497,000 | 35,733,000 |
| Noninterest-bearing deposits | 6,066,000 | 5,559,000 | 5,692,000 | 5,401,000 |
| Equity capital | 4,604,000 | 4,471,000 | 4,386,000 | 5,089,000 |
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 | 628,000 | 1,274,000 | 1,889,000 | 2,603,000 |
| Interest expense | 214,000 | 422,000 | 658,000 | 924,000 |
| Net interest income | 414,000 | 852,000 | 1,231,000 | 1,679,000 |
| Noninterest income | 95,000 | 204,000 | 294,000 | 403,000 |
| Noninterest expense | 514,000 | 1,180,000 | 1,802,000 | 2,457,000 |
| Provision for loan losses | 100,000 | 200,000 | 210,000 | 210,000 |
| Pretax income | -105,000 | -324,000 | -487,000 | -585,000 |
| Income tax | -41,000 | -127,000 | -191,000 | -230,000 |
| Net income | -64,000 | -197,000 | -296,000 | -355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,002,000 | 3,783,000 | 3,629,000 | 4,289,000 |
| Total capital | 4,471,000 | 4,238,000 | 4,095,000 | 4,725,000 |
| Risk-weighted assets | 37,358,000 | 36,402,000 | 38,677,000 | 39,649,000 |