Call reports 2002
PEDESTAL BANK — 2002
What PEDESTAL 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 | 76,439,000 | 81,829,000 | 95,971,000 | 102,401,000 |
| Total loans | 63,306,000 | 69,100,000 | 71,516,000 | 72,848,000 |
| Allowance for loan losses | 664,000 | 780,000 | 842,000 | 907,000 |
| Securities available for sale | 5,991,000 | 5,816,000 | 16,312,000 | 20,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,508,000 | 72,331,000 | 83,728,000 | 90,106,000 |
| Interest-bearing deposits | 54,802,000 | 57,925,000 | 68,881,000 | 74,762,000 |
| Noninterest-bearing deposits | 13,706,000 | 14,406,000 | 14,847,000 | 15,344,000 |
| Equity capital | 7,148,000 | 7,398,000 | 7,643,000 | 7,744,000 |
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 | 1,350,000 | 2,803,000 | 4,343,000 | 5,950,000 |
| Interest expense | 387,000 | 785,000 | 1,276,000 | 1,823,000 |
| Net interest income | 963,000 | 2,018,000 | 3,067,000 | 4,127,000 |
| Noninterest income | 106,000 | 219,000 | 356,000 | 454,000 |
| Noninterest expense | 706,000 | 1,458,000 | 2,242,000 | 3,023,000 |
| Provision for loan losses | 72,000 | 187,000 | 262,000 | 346,000 |
| Pretax income | 291,000 | 592,000 | 919,000 | 1,212,000 |
| Income tax | 99,000 | 201,000 | 313,000 | 412,000 |
| Net income | 192,000 | 391,000 | 606,000 | 800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,168,000 | 7,366,000 | 7,581,000 | 7,674,000 |
| Total capital | 7,832,000 | 8,146,000 | 8,423,000 | 8,581,000 |
| Risk-weighted assets | 64,338,000 | 69,485,000 | 77,888,000 | 82,687,000 |