Call reports 2002
SAND RIDGE BANK — 2002
What SAND RIDGE 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 | 599,268,000 | 605,746,000 | 587,799,000 | 824,959,000 |
| Total loans | 333,924,000 | 339,448,000 | 339,748,000 | 521,486,000 |
| Allowance for loan losses | 5,102,000 | 5,419,000 | 5,513,000 | 8,284,000 |
| Securities available for sale | 224,156,000 | 216,196,000 | 212,650,000 | 219,402,000 |
| Securities held to maturity | 7,417,000 | 7,702,000 | 8,723,000 | 11,713,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,685,000 | 465,663,000 | 451,089,000 | 642,296,000 |
| Interest-bearing deposits | 394,296,000 | 395,544,000 | 383,331,000 | 551,097,000 |
| Noninterest-bearing deposits | 68,389,000 | 70,119,000 | 67,758,000 | 91,199,000 |
| Equity capital | 48,631,000 | 51,503,000 | 54,832,000 | 75,777,000 |
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 | 9,109,000 | 18,118,000 | 26,846,000 | 50,183,000 |
| Interest expense | 3,520,000 | 6,878,000 | 10,081,000 | 18,270,000 |
| Net interest income | 5,589,000 | 11,240,000 | 16,765,000 | 31,913,000 |
| Noninterest income | 2,026,000 | 4,038,000 | 6,039,000 | 9,809,000 |
| Noninterest expense | 3,944,000 | 7,796,000 | 11,480,000 | 22,631,000 |
| Provision for loan losses | 280,000 | 730,000 | 930,000 | 64,000 |
| Pretax income | 3,391,000 | 6,756,000 | 10,398,000 | 19,105,000 |
| Income tax | 973,000 | 1,942,000 | 2,539,000 | 4,981,000 |
| Net income | 2,418,000 | 4,814,000 | 7,859,000 | 14,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,852,000 | 47,297,000 | 48,318,000 | 70,414,000 |
| Total capital | 51,030,000 | 51,516,000 | 52,470,000 | 76,747,000 |
| Risk-weighted assets | 333,352,000 | 336,344,000 | 330,782,000 | 504,691,000 |