Call reports 2002
DEDICATED COMMUNITY BANK — 2002
What DEDICATED COMMUNITY 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 | 31,360,000 | 30,505,000 | 30,643,000 | 30,333,000 |
| Total loans | 17,868,000 | 18,584,000 | 19,121,000 | 19,015,000 |
| Allowance for loan losses | 173,000 | 191,000 | 194,000 | 205,000 |
| Securities available for sale | 8,004,000 | 5,388,000 | 7,331,000 | 5,904,000 |
| Securities held to maturity | 717,000 | 642,000 | 641,000 | 641,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,680,000 | 26,630,000 | 26,580,000 | 26,204,000 |
| Interest-bearing deposits | 22,808,000 | 21,918,000 | 22,277,000 | 21,587,000 |
| Noninterest-bearing deposits | 4,872,000 | 4,712,000 | 4,303,000 | 4,617,000 |
| Equity capital | 3,583,000 | 3,722,000 | 3,844,000 | 3,946,000 |
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 | 458,000 | 918,000 | 1,373,000 | 1,827,000 |
| Interest expense | 134,000 | 251,000 | 360,000 | 469,000 |
| Net interest income | 324,000 | 667,000 | 1,013,000 | 1,358,000 |
| Noninterest income | 85,000 | 182,000 | 288,000 | 381,000 |
| Noninterest expense | 301,000 | 606,000 | 919,000 | 1,197,000 |
| Provision for loan losses | 16,000 | 34,000 | 52,000 | 70,000 |
| Pretax income | 92,000 | 209,000 | 330,000 | 472,000 |
| Income tax | 30,000 | 72,000 | 110,000 | 151,000 |
| Net income | 62,000 | 137,000 | 220,000 | 321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,619,000 | 3,695,000 | 3,779,000 | 3,879,000 |
| Total capital | 3,792,000 | 3,886,000 | 3,973,000 | 4,084,000 |
| Risk-weighted assets | 20,191,000 | 20,433,000 | 20,714,000 | 20,665,000 |