Call reports 2002
CERESCOBANK — 2002
What CERESCOBANK 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 | 31,824,000 | 30,683,000 | 31,577,000 | 32,195,000 |
| Total loans | 25,633,000 | 26,459,000 | 27,105,000 | 26,876,000 |
| Allowance for loan losses | 425,000 | 388,000 | 298,000 | 345,000 |
| Securities available for sale | 2,138,000 | 2,120,000 | 2,137,000 | 1,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,878,000 | 25,671,000 | 25,829,000 | 26,518,000 |
| Interest-bearing deposits | 24,482,000 | 23,552,000 | 23,757,000 | 24,298,000 |
| Noninterest-bearing deposits | 2,396,000 | 2,119,000 | 2,072,000 | 2,220,000 |
| Equity capital | 3,111,000 | 3,149,000 | 3,375,000 | 3,379,000 |
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 | 543,000 | 1,100,000 | 1,701,000 | 2,281,000 |
| Interest expense | 219,000 | 430,000 | 638,000 | 843,000 |
| Net interest income | 324,000 | 670,000 | 1,063,000 | 1,438,000 |
| Noninterest income | 42,000 | 92,000 | 139,000 | 212,000 |
| Noninterest expense | 151,000 | 330,000 | 492,000 | 873,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 80,000 |
| Pretax income | 208,000 | 417,000 | 688,000 | 697,000 |
| Income tax | 67,000 | 169,000 | 225,000 | 177,000 |
| Net income | 141,000 | 248,000 | 463,000 | 520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,085,000 | 3,123,000 | 3,338,000 | 3,355,000 |
| Total capital | 3,401,000 | 3,440,000 | 3,636,000 | 3,687,000 |
| Risk-weighted assets | 25,663,000 | 25,273,000 | 25,943,000 | 26,536,000 |