Call reports 2002
CASTROVILLE STATE BANK — 2002
What CASTROVILLE 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 | 58,852,000 | 60,059,000 | 59,014,000 | 60,418,000 |
| Total loans | 23,960,000 | 25,133,000 | 24,386,000 | 24,207,000 |
| Allowance for loan losses | 549,000 | 581,000 | 598,000 | 614,000 |
| Securities available for sale | 27,335,000 | 29,683,000 | 29,753,000 | 28,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,657,000 | 53,526,000 | 52,175,000 | 53,735,000 |
| Interest-bearing deposits | 46,133,000 | 47,034,000 | 44,077,000 | 46,556,000 |
| Noninterest-bearing deposits | 6,524,000 | 6,492,000 | 8,098,000 | 7,179,000 |
| Equity capital | 6,037,000 | 6,346,000 | 6,594,000 | 6,490,000 |
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 | 830,000 | 1,650,000 | 2,472,000 | 3,258,000 |
| Interest expense | 357,000 | 693,000 | 1,008,000 | 1,295,000 |
| Net interest income | 473,000 | 957,000 | 1,464,000 | 1,963,000 |
| Noninterest income | 88,000 | 181,000 | 285,000 | 405,000 |
| Noninterest expense | 305,000 | 608,000 | 912,000 | 1,273,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 226,000 | 470,000 | 757,000 | 1,015,000 |
| Income tax | 67,000 | 141,000 | 229,000 | 305,000 |
| Net income | 159,000 | 329,000 | 528,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,798,000 | 5,908,000 | 6,047,000 | 5,989,000 |
| Total capital | 6,158,000 | 6,288,000 | 6,409,000 | 6,354,000 |
| Risk-weighted assets | 28,623,000 | 30,304,000 | 28,764,000 | 28,952,000 |