Call reports 2002
BANK OF MCCRORY — 2002
What BANK OF MCCRORY 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 | 66,302,000 | 65,002,000 | 63,625,000 | 63,400,000 |
| Total loans | 30,266,000 | 36,361,000 | 38,578,000 | 33,953,000 |
| Allowance for loan losses | 806,000 | 858,000 | 882,000 | 864,000 |
| Securities available for sale | 21,848,000 | 22,817,000 | 15,617,000 | 22,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,652,000 | 56,914,000 | 55,253,000 | 55,676,000 |
| Interest-bearing deposits | 49,470,000 | 48,060,000 | 47,656,000 | 47,583,000 |
| Noninterest-bearing deposits | 9,182,000 | 8,854,000 | 7,597,000 | 8,093,000 |
| Equity capital | 7,137,000 | 7,482,000 | 7,703,000 | 7,380,000 |
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 | 997,000 | 2,033,000 | 3,042,000 | 4,006,000 |
| Interest expense | 362,000 | 666,000 | 947,000 | 1,204,000 |
| Net interest income | 635,000 | 1,367,000 | 2,095,000 | 2,802,000 |
| Noninterest income | 68,000 | 144,000 | 214,000 | 293,000 |
| Noninterest expense | 433,000 | 831,000 | 1,232,000 | 1,749,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 60,000 |
| Pretax income | 270,000 | 680,000 | 1,018,000 | 1,295,000 |
| Income tax | 82,000 | 213,000 | 316,000 | 304,000 |
| Net income | 188,000 | 467,000 | 702,000 | 991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,855,000 | 7,134,000 | 7,368,000 | 7,058,000 |
| Total capital | 7,307,000 | 7,643,000 | 7,906,000 | 7,564,000 |
| Risk-weighted assets | 35,769,000 | 40,336,000 | 42,685,000 | 40,127,000 |