Call reports 2002
SILVER LAKE BANK — 2002
What SILVER LAKE 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 | 124,775,000 | 126,097,000 | 131,198,000 | 132,207,000 |
| Total loans | 98,052,000 | 100,632,000 | 103,349,000 | 105,944,000 |
| Allowance for loan losses | 437,000 | 467,000 | 470,000 | 522,000 |
| Securities available for sale | 2,366,000 | 1,573,000 | 2,272,000 | 3,514,000 |
| Securities held to maturity | 13,003,000 | 11,453,000 | 11,700,000 | 10,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,659,000 | 107,907,000 | 112,014,000 | 113,286,000 |
| Interest-bearing deposits | 100,285,000 | 98,047,000 | 101,164,000 | 101,987,000 |
| Noninterest-bearing deposits | 10,374,000 | 9,860,000 | 10,850,000 | 11,299,000 |
| Equity capital | 11,826,000 | 12,015,000 | 12,293,000 | 12,643,000 |
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 | 1,975,000 | 3,904,000 | 5,927,000 | 7,940,000 |
| Interest expense | 847,000 | 1,671,000 | 2,451,000 | 3,190,000 |
| Net interest income | 1,128,000 | 2,233,000 | 3,476,000 | 4,750,000 |
| Noninterest income | 109,000 | 226,000 | 381,000 | 551,000 |
| Noninterest expense | 831,000 | 1,699,000 | 2,633,000 | 3,571,000 |
| Provision for loan losses | 15,000 | 50,000 | 68,000 | 122,000 |
| Pretax income | 391,000 | 710,000 | 1,156,000 | 1,608,000 |
| Income tax | 152,000 | 284,000 | 457,000 | 562,000 |
| Net income | 239,000 | 426,000 | 699,000 | 1,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,745,000 | 11,935,000 | 12,211,000 | 12,561,000 |
| Total capital | 12,182,000 | 12,402,000 | 12,681,000 | 13,083,000 |
| Risk-weighted assets | 109,239,000 | 111,343,000 | 112,347,000 | 110,750,000 |