Call reports 2002
BANK OF EDMONSON COUNTY — 2002
What BANK OF EDMONSON COUNTY 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 | 144,743,000 | 145,790,000 | 149,647,000 | 149,017,000 |
| Total loans | 95,310,000 | 97,215,000 | 99,563,000 | 100,315,000 |
| Allowance for loan losses | 814,000 | 875,000 | 865,000 | 950,000 |
| Securities available for sale | 20,545,000 | 20,639,000 | 19,541,000 | 18,103,000 |
| Securities held to maturity | 20,985,000 | 20,938,000 | 20,872,000 | 20,652,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,134,000 | 99,856,000 | 100,593,000 | 100,211,000 |
| Interest-bearing deposits | 91,000,000 | 91,490,000 | 92,291,000 | 91,890,000 |
| Noninterest-bearing deposits | 8,134,000 | 8,366,000 | 8,302,000 | 8,321,000 |
| Equity capital | 14,720,000 | 15,091,000 | 15,717,000 | 15,752,000 |
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 | 2,518,000 | 4,998,000 | 7,571,000 | 10,063,000 |
| Interest expense | 1,320,000 | 2,607,000 | 3,875,000 | 5,068,000 |
| Net interest income | 1,198,000 | 2,391,000 | 3,696,000 | 4,995,000 |
| Noninterest income | 209,000 | 427,000 | 653,000 | 832,000 |
| Noninterest expense | 738,000 | 1,503,000 | 2,249,000 | 3,099,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 375,000 |
| Pretax income | 594,000 | 1,165,000 | 1,875,000 | 2,353,000 |
| Income tax | 111,000 | 223,000 | 443,000 | 517,000 |
| Net income | 483,000 | 942,000 | 1,432,000 | 1,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,736,000 | 14,896,000 | 15,387,000 | 15,431,000 |
| Total capital | 15,550,000 | 15,771,000 | 16,252,000 | 16,381,000 |
| Risk-weighted assets | 95,977,000 | 97,452,000 | 98,761,000 | 98,287,000 |