Call reports 2002
EXPRESS BANK, THE — 2002
What EXPRESS BANK, THE 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 | 80,524,000 | 90,110,000 | 91,020,000 | 91,189,000 |
| Total loans | 33,412,000 | 39,640,000 | 41,210,000 | 38,008,000 |
| Allowance for loan losses | 163,000 | 456,000 | 461,000 | 409,000 |
| Securities available for sale | 29,428,000 | 29,289,000 | 28,787,000 | 28,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,031,000 | 72,903,000 | 72,803,000 | 73,284,000 |
| Interest-bearing deposits | 59,125,000 | 59,069,000 | 59,435,000 | 60,283,000 |
| Noninterest-bearing deposits | 13,906,000 | 13,834,000 | 13,368,000 | 13,001,000 |
| Equity capital | 7,020,000 | 15,711,000 | 16,465,000 | 16,408,000 |
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 | 1,149,000 | 668,000 | 1,903,000 | 2,978,000 |
| Interest expense | 292,000 | 135,000 | 389,000 | 600,000 |
| Net interest income | 857,000 | 533,000 | 1,514,000 | 2,378,000 |
| Noninterest income | 185,000 | 117,000 | 337,000 | 564,000 |
| Noninterest expense | 506,000 | 453,000 | 1,157,000 | 2,060,000 |
| Provision for loan losses | 18,000 | 0 | 0 | 0 |
| Pretax income | 518,000 | 239,000 | 839,000 | 1,385,000 |
| Income tax | 0 | 74,000 | 202,000 | 343,000 |
| Net income | 518,000 | 165,000 | 637,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,931,000 | 6,419,000 | 6,988,000 | 7,490,000 |
| Total capital | 7,094,000 | 6,875,000 | 7,449,000 | 7,899,000 |
| Risk-weighted assets | 40,092,000 | 45,821,000 | 45,687,000 | 45,479,000 |