Call reports 2002
EXCEL BANK — 2002
What EXCEL 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 | 124,123,000 | 123,790,000 | 125,563,000 | 131,607,000 |
| Total loans | 84,790,000 | 84,115,000 | 82,376,000 | 83,968,000 |
| Allowance for loan losses | 1,552,000 | 1,633,000 | 1,706,000 | 1,566,000 |
| Securities available for sale | 26,873,000 | 31,927,000 | 33,974,000 | 35,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,431,000 | 92,429,000 | 93,743,000 | 99,949,000 |
| Interest-bearing deposits | 85,958,000 | 84,406,000 | 85,931,000 | 92,041,000 |
| Noninterest-bearing deposits | 8,473,000 | 8,023,000 | 7,812,000 | 7,908,000 |
| Equity capital | 8,093,000 | 9,782,000 | 10,203,000 | 10,297,000 |
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 | 2,190,000 | 4,310,000 | 6,393,000 | 8,364,000 |
| Interest expense | 1,071,000 | 2,055,000 | 2,992,000 | 3,903,000 |
| Net interest income | 1,119,000 | 2,255,000 | 3,401,000 | 4,461,000 |
| Noninterest income | 179,000 | 388,000 | 647,000 | 841,000 |
| Noninterest expense | 683,000 | 1,428,000 | 2,229,000 | 2,983,000 |
| Provision for loan losses | 395,000 | 478,000 | 560,000 | 642,000 |
| Pretax income | 250,000 | 784,000 | 1,313,000 | 1,731,000 |
| Income tax | 2,000 | 4,000 | 10,000 | 17,000 |
| Net income | 248,000 | 780,000 | 1,303,000 | 1,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,891,000 | 9,344,000 | 9,584,000 | 9,609,000 |
| Total capital | 8,934,000 | 10,389,000 | 10,625,000 | 10,690,000 |
| Risk-weighted assets | 82,920,000 | 82,994,000 | 82,623,000 | 86,026,000 |