Call reports 2002
SMITH COUNTY STATE BANK AND TRUST COMPANY, THE — 2002
What SMITH COUNTY STATE BANK AND TRUST COMPANY, 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 | 60,125,000 | 60,811,000 | 61,464,000 | 62,068,000 |
| Total loans | 25,043,000 | 24,548,000 | 23,520,000 | 24,320,000 |
| Allowance for loan losses | 513,000 | 511,000 | 512,000 | 518,000 |
| Securities available for sale | 7,679,000 | 7,371,000 | 8,477,000 | 7,920,000 |
| Securities held to maturity | 21,713,000 | 23,708,000 | 23,241,000 | 23,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,187,000 | 52,791,000 | 53,313,000 | 54,180,000 |
| Interest-bearing deposits | 47,399,000 | 48,025,000 | 48,402,000 | 49,320,000 |
| Noninterest-bearing deposits | 4,788,000 | 4,766,000 | 4,911,000 | 4,860,000 |
| Equity capital | 7,607,000 | 7,600,000 | 7,651,000 | 7,658,000 |
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 | 923,000 | 1,820,000 | 2,702,000 | 3,555,000 |
| Interest expense | 411,000 | 807,000 | 1,187,000 | 1,544,000 |
| Net interest income | 512,000 | 1,013,000 | 1,515,000 | 2,011,000 |
| Noninterest income | 363,000 | 776,000 | 1,113,000 | 1,505,000 |
| Noninterest expense | 647,000 | 1,275,000 | 1,930,000 | 2,628,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 222,000 | 502,000 | 680,000 | 864,000 |
| Income tax | 11,000 | 23,000 | 34,000 | 40,000 |
| Net income | 211,000 | 479,000 | 646,000 | 824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,441,000 | 7,349,000 | 7,351,000 | 7,364,000 |
| Total capital | 7,803,000 | 7,721,000 | 7,714,000 | 7,735,000 |
| Risk-weighted assets | 28,813,000 | 29,641,000 | 28,872,000 | 29,517,000 |