Call reports 2002
FSB BANK — 2002
What FSB 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 | 114,769,000 | 121,221,000 | 125,765,000 | 126,850,000 |
| Total loans | 86,008,000 | 96,288,000 | 98,493,000 | 96,029,000 |
| Allowance for loan losses | 1,780,000 | 1,816,000 | 1,842,000 | 1,733,000 |
| Securities available for sale | 13,385,000 | 15,739,000 | 16,694,000 | 16,342,000 |
| Securities held to maturity | 1,070,000 | 664,000 | 650,000 | 561,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,426,000 | 103,167,000 | 105,794,000 | 105,837,000 |
| Interest-bearing deposits | 89,003,000 | 93,661,000 | 95,840,000 | 95,141,000 |
| Noninterest-bearing deposits | 8,423,000 | 9,506,000 | 9,954,000 | 10,696,000 |
| Equity capital | 11,551,000 | 11,759,000 | 12,134,000 | 12,102,000 |
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 | 2,030,000 | 4,096,000 | 6,235,000 | 8,383,000 |
| Interest expense | 829,000 | 1,636,000 | 2,440,000 | 3,218,000 |
| Net interest income | 1,201,000 | 2,460,000 | 3,795,000 | 5,165,000 |
| Noninterest income | 175,000 | 295,000 | 449,000 | 680,000 |
| Noninterest expense | 905,000 | 1,797,000 | 2,719,000 | 3,780,000 |
| Provision for loan losses | 75,000 | 125,000 | 200,000 | 375,000 |
| Pretax income | 396,000 | 833,000 | 1,325,000 | 1,692,000 |
| Income tax | 119,000 | 248,000 | 377,000 | 486,000 |
| Net income | 277,000 | 585,000 | 948,000 | 1,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,532,000 | 11,590,000 | 11,779,000 | 11,811,000 |
| Total capital | 12,558,000 | 12,724,000 | 12,947,000 | 12,958,000 |
| Risk-weighted assets | 80,954,000 | 89,727,000 | 92,754,000 | 91,203,000 |