Call reports 2002
FIRST NATIONAL BANK OF MCHENRY, THE — 2002
What FIRST NATIONAL BANK OF MCHENRY, THE 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 | 125,403,000 | 123,443,000 | 131,064,000 | 136,427,000 |
| Total loans | 59,363,000 | 59,777,000 | 58,948,000 | 57,788,000 |
| Allowance for loan losses | 539,000 | 561,000 | 584,000 | 594,000 |
| Securities available for sale | 50,199,000 | 51,014,000 | 58,293,000 | 66,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,573,000 | 108,905,000 | 108,468,000 | 114,075,000 |
| Interest-bearing deposits | 95,552,000 | 92,456,000 | 92,227,000 | 98,984,000 |
| Noninterest-bearing deposits | 16,021,000 | 16,449,000 | 16,241,000 | 15,091,000 |
| Equity capital | 13,052,000 | 13,658,000 | 14,431,000 | 14,302,000 |
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 | 1,698,000 | 3,370,000 | 5,085,000 | 6,724,000 |
| Interest expense | 699,000 | 1,342,000 | 2,015,000 | 2,675,000 |
| Net interest income | 999,000 | 2,028,000 | 3,070,000 | 4,049,000 |
| Noninterest income | 181,000 | 375,000 | 574,000 | 805,000 |
| Noninterest expense | 752,000 | 1,544,000 | 2,348,000 | 3,197,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 405,000 | 878,000 | 1,295,000 | 1,634,000 |
| Income tax | 109,000 | 231,000 | 342,000 | 417,000 |
| Net income | 296,000 | 647,000 | 953,000 | 1,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,948,000 | 13,239,000 | 13,484,000 | 13,627,000 |
| Total capital | 13,487,000 | 13,800,000 | 14,068,000 | 14,221,000 |
| Risk-weighted assets | 57,650,000 | 58,208,000 | 59,575,000 | 61,699,000 |