Call reports 2002
FIRST NATIONAL BANK OF BYERS, THE — 2002
What FIRST NATIONAL BANK OF BYERS, THE 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 | 50,137,000 | 54,754,000 | 54,870,000 | 54,534,000 |
| Total loans | 34,933,000 | 32,912,000 | 34,698,000 | 38,246,000 |
| Allowance for loan losses | 484,000 | 766,000 | 764,000 | 768,000 |
| Securities available for sale | 5,018,000 | 6,545,000 | 5,474,000 | 6,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,727,000 | 48,103,000 | 48,045,000 | 47,721,000 |
| Interest-bearing deposits | 32,075,000 | 33,669,000 | 34,522,000 | 35,078,000 |
| Noninterest-bearing deposits | 11,652,000 | 14,434,000 | 13,523,000 | 12,643,000 |
| Equity capital | 6,202,000 | 6,363,000 | 6,527,000 | 6,650,000 |
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 | 814,000 | 1,784,000 | 2,589,000 | 3,419,000 |
| Interest expense | 200,000 | 396,000 | 599,000 | 799,000 |
| Net interest income | 614,000 | 1,388,000 | 1,990,000 | 2,620,000 |
| Noninterest income | 106,000 | 225,000 | 358,000 | 497,000 |
| Noninterest expense | 513,000 | 1,057,000 | 1,555,000 | 2,120,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 207,000 | 556,000 | 798,000 | 1,002,000 |
| Income tax | 68,000 | 186,000 | 265,000 | 335,000 |
| Net income | 139,000 | 370,000 | 533,000 | 667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,098,000 | 6,229,000 | 6,393,000 | 6,525,000 |
| Total capital | 6,572,000 | 6,693,000 | 6,872,000 | 7,038,000 |
| Risk-weighted assets | 37,882,000 | 36,788,000 | 38,023,000 | 40,767,000 |