Call reports 2002
BORDER STATE BANK — 2002
What BORDER 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 | 69,225,000 | 70,057,000 | 75,386,000 | 75,404,000 |
| Total loans | 54,532,000 | 57,965,000 | 60,291,000 | 60,603,000 |
| Allowance for loan losses | 488,000 | 492,000 | 578,000 | 597,000 |
| Securities available for sale | 5,794,000 | 5,786,000 | 5,820,000 | 6,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,933,000 | 57,815,000 | 61,490,000 | 61,477,000 |
| Interest-bearing deposits | 48,316,000 | 47,802,000 | 50,393,000 | 50,712,000 |
| Noninterest-bearing deposits | 8,617,000 | 10,013,000 | 11,097,000 | 10,765,000 |
| Equity capital | 5,370,000 | 5,485,000 | 5,701,000 | 5,823,000 |
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 | 1,193,000 | 2,464,000 | 3,813,000 | 5,117,000 |
| Interest expense | 456,000 | 880,000 | 1,314,000 | 1,732,000 |
| Net interest income | 737,000 | 1,584,000 | 2,499,000 | 3,385,000 |
| Noninterest income | 222,000 | 387,000 | 583,000 | 782,000 |
| Noninterest expense | 660,000 | 1,336,000 | 2,023,000 | 2,755,000 |
| Provision for loan losses | 12,000 | 24,000 | 147,000 | 285,000 |
| Pretax income | 287,000 | 611,000 | 912,000 | 1,127,000 |
| Income tax | 113,000 | 244,000 | 367,000 | 454,000 |
| Net income | 174,000 | 367,000 | 545,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,311,000 | 5,393,000 | 5,571,000 | 5,699,000 |
| Total capital | 5,799,000 | 5,885,000 | 6,149,000 | 6,296,000 |
| Risk-weighted assets | 52,965,000 | 55,934,000 | 58,106,000 | 58,518,000 |