Call reports 2002
BANK OF EVENING SHADE — 2002
What BANK OF EVENING SHADE 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 | 14,236,000 | 14,226,000 | 16,000,000 | 16,975,000 |
| Total loans | 7,827,000 | 8,389,000 | 8,987,000 | 10,328,000 |
| Allowance for loan losses | 82,000 | 109,000 | 122,000 | 149,000 |
| Securities available for sale | 3,376,000 | 3,548,000 | 4,056,000 | 4,380,000 |
| Securities held to maturity | 238,000 | 480,000 | 230,000 | 230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,930,000 | 12,798,000 | 14,513,000 | 15,503,000 |
| Interest-bearing deposits | 11,960,000 | 11,776,000 | 13,475,000 | 14,525,000 |
| Noninterest-bearing deposits | 970,000 | 1,022,000 | 1,038,000 | 978,000 |
| Equity capital | 1,227,000 | 1,320,000 | 1,352,000 | 1,317,000 |
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 | 249,000 | 480,000 | 714,000 | 976,000 |
| Interest expense | 98,000 | 183,000 | 270,000 | 364,000 |
| Net interest income | 151,000 | 297,000 | 444,000 | 612,000 |
| Noninterest income | 39,000 | 76,000 | 111,000 | 216,000 |
| Noninterest expense | 123,000 | 266,000 | 399,000 | 584,000 |
| Provision for loan losses | 37,000 | 76,000 | 92,000 | 116,000 |
| Pretax income | 30,000 | 31,000 | 64,000 | 128,000 |
| Income tax | 12,000 | 23,000 | 31,000 | 61,000 |
| Net income | 18,000 | 8,000 | 33,000 | 67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,288,000 | 1,278,000 | 1,303,000 | 1,266,000 |
| Total capital | 1,370,000 | 1,378,000 | 1,414,000 | 1,381,000 |
| Risk-weighted assets | 8,200,000 | 8,368,000 | 8,893,000 | 9,170,000 |