Call reports 2002
BANK OF NICHOLS HILLS — 2002
What BANK OF NICHOLS HILLS 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 | 72,893,000 | 74,275,000 | 76,448,000 | 84,944,000 |
| Total loans | 58,282,000 | 60,365,000 | 61,333,000 | 66,859,000 |
| Allowance for loan losses | 617,000 | 658,000 | 672,000 | 690,000 |
| Securities available for sale | 3,931,000 | 3,880,000 | 3,705,000 | 3,196,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,953,000 | 67,142,000 | 69,176,000 | 77,455,000 |
| Interest-bearing deposits | 52,521,000 | 47,496,000 | 50,857,000 | 53,109,000 |
| Noninterest-bearing deposits | 13,432,000 | 19,646,000 | 18,319,000 | 24,346,000 |
| Equity capital | 6,256,000 | 6,422,000 | 6,545,000 | 6,542,000 |
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 | 1,144,000 | 2,222,000 | 3,368,000 | 4,565,000 |
| Interest expense | 382,000 | 741,000 | 1,097,000 | 1,468,000 |
| Net interest income | 762,000 | 1,481,000 | 2,271,000 | 3,097,000 |
| Noninterest income | 144,000 | 305,000 | 466,000 | 629,000 |
| Noninterest expense | 602,000 | 1,209,000 | 1,841,000 | 2,811,000 |
| Provision for loan losses | 31,000 | 72,000 | 86,000 | 114,000 |
| Pretax income | 273,000 | 505,000 | 810,000 | 801,000 |
| Income tax | 79,000 | 145,000 | 234,000 | 225,000 |
| Net income | 194,000 | 360,000 | 576,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,170,000 | 6,336,000 | 6,500,000 | 6,500,000 |
| Total capital | 6,787,000 | 6,994,000 | 7,172,000 | 7,190,000 |
| Risk-weighted assets | 59,259,000 | 61,531,000 | 64,584,000 | 69,732,000 |