Call reports 2002
NEFFS NATIONAL BANK, THE — 2002
What NEFFS NATIONAL BANK, 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 | 162,297,000 | 168,028,000 | 174,484,000 | 179,971,000 |
| Total loans | 71,568,000 | 71,724,000 | 70,914,000 | 69,598,000 |
| Allowance for loan losses | 460,000 | 505,000 | 522,000 | 564,000 |
| Securities available for sale | 7,171,000 | 8,306,000 | 10,978,000 | 9,646,000 |
| Securities held to maturity | 73,648,000 | 75,045,000 | 73,564,000 | 84,353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,532,000 | 135,616,000 | 141,307,000 | 146,565,000 |
| Interest-bearing deposits | 118,944,000 | 123,281,000 | 128,823,000 | 134,631,000 |
| Noninterest-bearing deposits | 11,588,000 | 12,335,000 | 12,484,000 | 11,934,000 |
| Equity capital | 30,882,000 | 31,438,000 | 32,212,000 | 32,506,000 |
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 | 2,522,000 | 5,122,000 | 7,729,000 | 10,302,000 |
| Interest expense | 1,216,000 | 2,458,000 | 3,737,000 | 4,977,000 |
| Net interest income | 1,306,000 | 2,664,000 | 3,992,000 | 5,325,000 |
| Noninterest income | 68,000 | 133,000 | 197,000 | 274,000 |
| Noninterest expense | 475,000 | 970,000 | 1,448,000 | 1,913,000 |
| Provision for loan losses | 20,000 | 65,000 | 110,000 | 170,000 |
| Pretax income | 880,000 | 1,763,000 | 2,632,000 | 3,517,000 |
| Income tax | 164,000 | 329,000 | 500,000 | 659,000 |
| Net income | 716,000 | 1,434,000 | 2,132,000 | 2,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,007,000 | 31,476,000 | 32,162,000 | 32,485,000 |
| Total capital | 31,467,000 | 31,981,000 | 32,684,000 | 33,049,000 |
| Risk-weighted assets | 82,795,000 | 83,722,000 | 82,721,000 | 81,365,000 |