Call reports 2002
BANK OF FINCASTLE, THE — 2002
What BANK OF FINCASTLE, THE 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 | 123,978,000 | 125,216,000 | 127,924,000 | 124,986,000 |
| Total loans | 99,412,000 | 98,708,000 | 98,171,000 | 101,874,000 |
| Allowance for loan losses | 1,055,000 | 1,074,000 | 1,130,000 | 1,068,000 |
| Securities available for sale | 5,000 | 4,000 | 4,000 | 2,000 |
| Securities held to maturity | 6,732,000 | 6,513,000 | 11,105,000 | 6,696,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,765,000 | 108,285,000 | 110,581,000 | 107,586,000 |
| Interest-bearing deposits | 82,577,000 | 84,344,000 | 85,302,000 | 82,150,000 |
| Noninterest-bearing deposits | 24,188,000 | 23,941,000 | 25,279,000 | 25,436,000 |
| Equity capital | 16,490,000 | 16,629,000 | 16,996,000 | 16,969,000 |
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 | 1,964,000 | 3,854,000 | 5,679,000 | 7,478,000 |
| Interest expense | 686,000 | 1,295,000 | 1,879,000 | 2,414,000 |
| Net interest income | 1,278,000 | 2,559,000 | 3,800,000 | 5,064,000 |
| Noninterest income | 229,000 | 455,000 | 705,000 | 993,000 |
| Noninterest expense | 827,000 | 1,677,000 | 2,571,000 | 3,548,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 620,000 | 1,217,000 | 1,754,000 | 2,269,000 |
| Income tax | 160,000 | 344,000 | 514,000 | 721,000 |
| Net income | 460,000 | 873,000 | 1,240,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,490,000 | 16,629,000 | 16,996,000 | 16,969,000 |
| Total capital | 17,545,000 | 17,703,000 | 18,126,000 | 18,037,000 |
| Risk-weighted assets | 95,210,000 | 96,493,000 | 97,277,000 | 100,447,000 |