Call reports 2002
FIRST STATE BANK OF NEWMAN — 2002
What FIRST STATE BANK OF NEWMAN reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Total assets | 23,300,000 | 22,739,000 |
| Total loans | 16,601,000 | 17,547,000 |
| Allowance for loan losses | 138,000 | 144,000 |
| Securities available for sale | 1,774,000 | 1,361,000 |
| Securities held to maturity | 403,000 | 400,000 |
| Trading assets | 0 | 0 |
| Total deposits | 20,837,000 | 20,214,000 |
| Interest-bearing deposits | 17,495,000 | 17,032,000 |
| Noninterest-bearing deposits | 3,342,000 | 3,182,000 |
| Equity capital | 2,030,000 | 2,085,000 |
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 |
|---|---|---|
| Interest income | 348,000 | 689,000 |
| Interest expense | 169,000 | 315,000 |
| Net interest income | 179,000 | 374,000 |
| Noninterest income | 37,000 | 77,000 |
| Noninterest expense | 149,000 | 319,000 |
| Provision for loan losses | 7,000 | 15,000 |
| Pretax income | 60,000 | 117,000 |
| Income tax | 23,000 | 47,000 |
| Net income | 37,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Tier 1 capital | 1,959,000 | 2,000,000 |
| Total capital | 2,097,000 | 2,144,000 |
| Risk-weighted assets | 17,792,000 | 18,342,000 |