Call reports 2002
STONE COUNTY NATIONAL BANK — 2002
What STONE COUNTY NATIONAL 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 | 66,335,000 | 66,154,000 | 67,322,000 | 65,751,000 |
| Total loans | 30,911,000 | 31,238,000 | 31,737,000 | 31,086,000 |
| Allowance for loan losses | 425,000 | 431,000 | 440,000 | 442,000 |
| Securities available for sale | 26,682,000 | 30,114,000 | 30,084,000 | 30,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,175,000 | 58,456,000 | 59,876,000 | 58,251,000 |
| Interest-bearing deposits | 51,912,000 | 51,145,000 | 52,152,000 | 49,819,000 |
| Noninterest-bearing deposits | 7,263,000 | 7,311,000 | 7,724,000 | 8,432,000 |
| Equity capital | 6,313,000 | 6,837,000 | 7,040,000 | 7,142,000 |
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 | 981,000 | 1,994,000 | 2,998,000 | 3,961,000 |
| Interest expense | 415,000 | 818,000 | 1,197,000 | 1,534,000 |
| Net interest income | 566,000 | 1,176,000 | 1,801,000 | 2,427,000 |
| Noninterest income | 96,000 | 205,000 | 317,000 | 426,000 |
| Noninterest expense | 444,000 | 883,000 | 1,352,000 | 1,855,000 |
| Provision for loan losses | 23,000 | 45,000 | 60,000 | 70,000 |
| Pretax income | 190,000 | 440,000 | 705,000 | 944,000 |
| Income tax | -107,000 | -107,000 | -107,000 | -107,000 |
| Net income | 297,000 | 547,000 | 812,000 | 1,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,250,000 | 6,376,000 | 6,492,000 | 6,560,000 |
| Total capital | 6,675,000 | 6,807,000 | 6,932,000 | 7,002,000 |
| Risk-weighted assets | 35,700,000 | 35,819,000 | 36,273,000 | 35,687,000 |