Call reports 2002
SHERMAN COUNTY BANK — 2002
What SHERMAN COUNTY 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 | 77,109,000 | 79,370,000 | 83,078,000 | 81,610,000 |
| Total loans | 41,836,000 | 44,177,000 | 47,693,000 | 48,425,000 |
| Allowance for loan losses | 1,375,000 | 1,385,000 | 1,392,000 | 1,366,000 |
| Securities available for sale | 26,481,000 | 28,523,000 | 27,695,000 | 23,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,834,000 | 54,898,000 | 54,024,000 | 55,863,000 |
| Interest-bearing deposits | 49,977,000 | 49,534,000 | 48,718,000 | 48,712,000 |
| Noninterest-bearing deposits | 4,857,000 | 5,364,000 | 5,306,000 | 7,151,000 |
| Equity capital | 6,442,000 | 7,288,000 | 7,619,000 | 7,693,000 |
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 | 1,416,000 | 2,768,000 | 4,097,000 | 5,433,000 |
| Interest expense | 646,000 | 1,266,000 | 1,858,000 | 2,435,000 |
| Net interest income | 770,000 | 1,502,000 | 2,239,000 | 2,998,000 |
| Noninterest income | 98,000 | 214,000 | 330,000 | 462,000 |
| Noninterest expense | 593,000 | 916,000 | 1,391,000 | 1,904,000 |
| Provision for loan losses | 285,000 | 345,000 | 405,000 | 465,000 |
| Pretax income | 2,000 | 506,000 | 848,000 | 1,200,000 |
| Income tax | 102,000 | 108,000 | 192,000 | 194,000 |
| Net income | -100,000 | 398,000 | 656,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,551,000 | 6,819,000 | 7,118,000 | 7,435,000 |
| Total capital | 7,294,000 | 7,546,000 | 7,870,000 | 8,164,000 |
| Risk-weighted assets | 58,769,000 | 57,519,000 | 59,955,000 | 56,845,000 |