Call reports 2002
FIRST NATIONAL BANK OF LACON — 2002
What FIRST NATIONAL BANK OF LACON 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 | 43,545,000 | 51,237,000 | 46,282,000 | 45,655,000 |
| Total loans | 25,648,000 | 26,787,000 | 27,938,000 | 28,105,000 |
| Allowance for loan losses | 147,000 | 142,000 | 112,000 | 148,000 |
| Securities available for sale | 11,809,000 | 12,201,000 | 10,735,000 | 11,726,000 |
| Securities held to maturity | 1,182,000 | 1,073,000 | 1,071,000 | 768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,792,000 | 46,048,000 | 40,994,000 | 40,548,000 |
| Interest-bearing deposits | 32,980,000 | 39,309,000 | 34,736,000 | 33,973,000 |
| Noninterest-bearing deposits | 5,812,000 | 6,739,000 | 6,258,000 | 6,575,000 |
| Equity capital | 4,613,000 | 5,021,000 | 5,075,000 | 5,045,000 |
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 | 667,000 | 1,367,000 | 2,070,000 | 2,765,000 |
| Interest expense | 234,000 | 455,000 | 663,000 | 857,000 |
| Net interest income | 433,000 | 912,000 | 1,407,000 | 1,908,000 |
| Noninterest income | 21,000 | 40,000 | 66,000 | 98,000 |
| Noninterest expense | 284,000 | 585,000 | 895,000 | 1,193,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 170,000 | 367,000 | 578,000 | 788,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 170,000 | 367,000 | 578,000 | 788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,794,000 | 4,811,000 | 4,831,000 | 4,811,000 |
| Total capital | 4,941,000 | 4,953,000 | 4,943,000 | 4,959,000 |
| Risk-weighted assets | 27,803,000 | 30,090,000 | 30,224,000 | 30,151,000 |