Call reports 2002
HAMEL STATE BANK — 2002
What HAMEL 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 |
|---|---|---|
| Total assets | 52,884,000 | 54,873,000 |
| Total loans | 26,447,000 | 25,674,000 |
| Allowance for loan losses | 331,000 | 330,000 |
| Securities available for sale | 19,589,000 | 17,756,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 48,063,000 | 49,955,000 |
| Interest-bearing deposits | 41,944,000 | 43,339,000 |
| Noninterest-bearing deposits | 6,119,000 | 6,616,000 |
| Equity capital | 4,558,000 | 4,660,000 |
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 |
|---|---|---|
| Interest income | 791,000 | 1,540,000 |
| Interest expense | 337,000 | 658,000 |
| Net interest income | 454,000 | 882,000 |
| Noninterest income | 55,000 | 94,000 |
| Noninterest expense | 279,000 | 613,000 |
| Provision for loan losses | 15,000 | 25,000 |
| Pretax income | 215,000 | 338,000 |
| Income tax | 63,000 | 114,000 |
| Net income | 152,000 | 224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Tier 1 capital | 4,448,000 | 4,520,000 |
| Total capital | 4,779,000 | 4,850,000 |
| Risk-weighted assets | 28,391,000 | 28,872,000 |