Call reports 2002
RANCHERS BANKS — 2002
What RANCHERS BANKS 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 | 122,372,000 | 127,154,000 | 125,018,000 | 122,085,000 |
| Total loans | 63,568,000 | 57,169,000 | 56,271,000 | 56,536,000 |
| Allowance for loan losses | 4,128,000 | 2,186,000 | 2,346,000 | 2,729,000 |
| Securities available for sale | 42,397,000 | 46,863,000 | 49,514,000 | 53,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,148,000 | 109,670,000 | 107,927,000 | 106,076,000 |
| Interest-bearing deposits | 86,198,000 | 88,439,000 | 86,525,000 | 85,811,000 |
| Noninterest-bearing deposits | 18,950,000 | 21,231,000 | 21,402,000 | 20,265,000 |
| Equity capital | 16,382,000 | 16,453,000 | 16,078,000 | 15,348,000 |
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 | 1,814,000 | 3,602,000 | 5,305,000 | 6,730,000 |
| Interest expense | 512,000 | 982,000 | 1,435,000 | 1,868,000 |
| Net interest income | 1,302,000 | 2,620,000 | 3,870,000 | 4,862,000 |
| Noninterest income | 286,000 | 355,000 | 715,000 | 1,275,000 |
| Noninterest expense | 1,399,000 | 2,944,000 | 4,565,000 | 6,255,000 |
| Provision for loan losses | 150,000 | 225,000 | 1,042,000 | 1,738,000 |
| Pretax income | 39,000 | -139,000 | -945,000 | -1,731,000 |
| Income tax | -81,000 | -74,000 | -240,000 | -292,000 |
| Net income | 120,000 | -65,000 | -705,000 | -1,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,268,000 | 16,083,000 | 15,442,000 | 14,708,000 |
| Total capital | 17,230,000 | 16,994,000 | 16,332,000 | 15,627,000 |
| Risk-weighted assets | 73,816,000 | 71,490,000 | 69,606,000 | 71,971,000 |