Call reports 2002
HENDERSON STATE BANK — 2002
What HENDERSON STATE 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 | 36,740,000 | 36,387,000 | 36,896,000 | 37,717,000 |
| Total loans | 16,212,000 | 16,448,000 | 17,999,000 | 17,550,000 |
| Allowance for loan losses | 221,000 | 224,000 | 227,000 | 235,000 |
| Securities available for sale | 17,986,000 | 16,725,000 | 14,943,000 | 15,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,974,000 | 22,991,000 | 23,248,000 | 24,255,000 |
| Interest-bearing deposits | 20,473,000 | 20,074,000 | 20,556,000 | 20,796,000 |
| Noninterest-bearing deposits | 2,501,000 | 2,917,000 | 2,692,000 | 3,459,000 |
| Equity capital | 3,025,000 | 3,447,000 | 3,623,000 | 3,605,000 |
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 | 590,000 | 1,138,000 | 1,733,000 | 2,271,000 |
| Interest expense | 268,000 | 532,000 | 791,000 | 1,043,000 |
| Net interest income | 322,000 | 606,000 | 942,000 | 1,228,000 |
| Noninterest income | 7,000 | 19,000 | 30,000 | 37,000 |
| Noninterest expense | 203,000 | 407,000 | 614,000 | 837,000 |
| Provision for loan losses | 10,000 | 13,000 | 16,000 | 24,000 |
| Pretax income | 116,000 | 214,000 | 351,000 | 413,000 |
| Income tax | 10,000 | 34,000 | 55,000 | 87,000 |
| Net income | 106,000 | 180,000 | 296,000 | 326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,044,000 | 3,118,000 | 3,233,000 | 3,263,000 |
| Total capital | 3,265,000 | 3,342,000 | 3,460,000 | 3,498,000 |
| Risk-weighted assets | 21,045,000 | 21,638,000 | 23,085,000 | 23,181,000 |