Call reports 2002
STATE BANK OF DRUMMOND — 2002
What STATE BANK OF DRUMMOND 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 | 34,342,000 | 32,245,000 | 31,761,000 | 32,059,000 |
| Total loans | 17,856,000 | 18,228,000 | 17,335,000 | 17,978,000 |
| Allowance for loan losses | 308,000 | 308,000 | 309,000 | 308,000 |
| Securities available for sale | 8,220,000 | 8,774,000 | 8,052,000 | 8,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,178,000 | 27,834,000 | 27,238,000 | 27,474,000 |
| Interest-bearing deposits | 26,156,000 | 23,969,000 | 23,277,000 | 23,426,000 |
| Noninterest-bearing deposits | 4,022,000 | 3,865,000 | 3,961,000 | 4,048,000 |
| Equity capital | 4,060,000 | 4,220,000 | 4,329,000 | 4,387,000 |
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 | 471,000 | 938,000 | 1,398,000 | 1,843,000 |
| Interest expense | 158,000 | 306,000 | 435,000 | 555,000 |
| Net interest income | 313,000 | 632,000 | 963,000 | 1,288,000 |
| Noninterest income | 58,000 | 117,000 | 175,000 | 249,000 |
| Noninterest expense | 303,000 | 592,000 | 891,000 | 1,179,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 159,000 | 249,000 | 360,000 |
| Income tax | -3,000 | 6,000 | 16,000 | 30,000 |
| Net income | 71,000 | 153,000 | 233,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,004,000 | 4,070,000 | 4,150,000 | 4,213,000 |
| Total capital | 4,235,000 | 4,296,000 | 4,363,000 | 4,443,000 |
| Risk-weighted assets | 18,483,000 | 18,033,000 | 16,925,000 | 18,315,000 |