Call reports 2002
FORD COUNTY STATE BANK — 2002
What FORD COUNTY 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 | 19,880,000 | 19,105,000 | 19,294,000 | 19,884,000 |
| Total loans | 12,318,000 | 12,210,000 | 12,321,000 | 11,997,000 |
| Allowance for loan losses | 220,000 | 220,000 | 224,000 | 234,000 |
| Securities available for sale | 2,764,000 | 2,806,000 | 3,139,000 | 3,087,000 |
| Securities held to maturity | 99,000 | 94,000 | 89,000 | 63,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,393,000 | 16,492,000 | 16,625,000 | 17,183,000 |
| Interest-bearing deposits | 13,593,000 | 13,665,000 | 13,483,000 | 13,038,000 |
| Noninterest-bearing deposits | 3,800,000 | 2,827,000 | 3,142,000 | 4,145,000 |
| Equity capital | 2,363,000 | 2,449,000 | 2,527,000 | 2,561,000 |
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 | 306,000 | 599,000 | 880,000 | 1,149,000 |
| Interest expense | 106,000 | 204,000 | 295,000 | 377,000 |
| Net interest income | 200,000 | 395,000 | 585,000 | 772,000 |
| Noninterest income | 22,000 | 49,000 | 70,000 | 92,000 |
| Noninterest expense | 152,000 | 295,000 | 428,000 | 567,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 13,000 |
| Pretax income | 70,000 | 149,000 | 224,000 | 284,000 |
| Income tax | 11,000 | 22,000 | 33,000 | 45,000 |
| Net income | 59,000 | 127,000 | 191,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,330,000 | 2,399,000 | 2,463,000 | 2,511,000 |
| Total capital | 2,514,000 | 2,579,000 | 2,638,000 | 2,690,000 |
| Risk-weighted assets | 14,725,000 | 14,320,000 | 13,981,000 | 14,275,000 |