Call reports 2002
STATE BANK OF COKATO — 2002
What STATE BANK OF COKATO 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 | 54,172,000 | 55,708,000 | 54,517,000 | 55,613,000 |
| Total loans | 38,558,000 | 40,531,000 | 41,847,000 | 41,188,000 |
| Allowance for loan losses | 510,000 | 568,000 | 642,000 | 708,000 |
| Securities available for sale | 7,378,000 | 6,901,000 | 5,941,000 | 6,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,778,000 | 45,172,000 | 43,693,000 | 44,990,000 |
| Interest-bearing deposits | 39,563,000 | 37,199,000 | 36,805,000 | 36,770,000 |
| Noninterest-bearing deposits | 6,215,000 | 7,973,000 | 6,888,000 | 8,220,000 |
| Equity capital | 4,235,000 | 4,400,000 | 4,642,000 | 4,503,000 |
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 | 985,000 | 1,986,000 | 2,970,000 | 3,971,000 |
| Interest expense | 418,000 | 797,000 | 1,137,000 | 1,456,000 |
| Net interest income | 567,000 | 1,189,000 | 1,833,000 | 2,515,000 |
| Noninterest income | 152,000 | 282,000 | 438,000 | 608,000 |
| Noninterest expense | 503,000 | 1,038,000 | 1,581,000 | 2,184,000 |
| Provision for loan losses | 40,000 | 90,000 | 160,000 | 240,000 |
| Pretax income | 176,000 | 366,000 | 574,000 | 778,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 176,000 | 366,000 | 574,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,351,000 | 4,342,000 | 4,550,000 | 4,446,000 |
| Total capital | 4,847,000 | 4,857,000 | 5,079,000 | 4,981,000 |
| Risk-weighted assets | 39,645,000 | 41,789,000 | 42,853,000 | 42,660,000 |