Call reports 2002
BANK OF NEW CAMBRIA — 2002
What BANK OF NEW CAMBRIA 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 | 24,966,000 | 24,141,000 | 23,929,000 | 24,960,000 |
| Total loans | 12,118,000 | 12,030,000 | 12,309,000 | 12,043,000 |
| Allowance for loan losses | 138,000 | 139,000 | 143,000 | 169,000 |
| Securities available for sale | 9,146,000 | 8,700,000 | 8,449,000 | 9,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,040,000 | 21,058,000 | 20,752,000 | 21,852,000 |
| Interest-bearing deposits | 18,995,000 | 18,155,000 | 18,020,000 | 18,947,000 |
| Noninterest-bearing deposits | 3,045,000 | 2,903,000 | 2,732,000 | 2,905,000 |
| Equity capital | 2,794,000 | 2,918,000 | 3,000,000 | 2,963,000 |
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 | 354,000 | 702,000 | 1,045,000 | 1,381,000 |
| Interest expense | 135,000 | 260,000 | 382,000 | 497,000 |
| Net interest income | 219,000 | 442,000 | 663,000 | 884,000 |
| Noninterest income | 23,000 | 46,000 | 72,000 | 96,000 |
| Noninterest expense | 153,000 | 307,000 | 470,000 | 652,000 |
| Provision for loan losses | 5,000 | 15,000 | 20,000 | 20,000 |
| Pretax income | 84,000 | 166,000 | 245,000 | 308,000 |
| Income tax | 23,000 | 48,000 | 66,000 | 75,000 |
| Net income | 61,000 | 118,000 | 179,000 | 233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,723,000 | 2,780,000 | 2,841,000 | 2,820,000 |
| Total capital | 2,861,000 | 2,919,000 | 2,984,000 | 2,989,000 |
| Risk-weighted assets | 15,071,000 | 14,906,000 | 15,232,000 | 15,301,000 |