Call reports 2002
ST. MARYS STATE BANK, THE — 2002
What ST. MARYS STATE 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 | 61,318,000 | 57,333,000 | 59,925,000 | 60,325,000 |
| Total loans | 40,506,000 | 39,567,000 | 38,827,000 | 39,480,000 |
| Allowance for loan losses | 555,000 | 549,000 | 585,000 | 620,000 |
| Securities available for sale | 13,494,000 | 11,319,000 | 11,448,000 | 12,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,020,000 | 43,626,000 | 45,983,000 | 46,304,000 |
| Interest-bearing deposits | 42,303,000 | 38,632,000 | 40,076,000 | 40,404,000 |
| Noninterest-bearing deposits | 5,717,000 | 4,994,000 | 5,907,000 | 5,900,000 |
| Equity capital | 5,910,000 | 6,279,000 | 6,512,000 | 6,619,000 |
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 | 967,000 | 1,949,000 | 2,891,000 | 3,842,000 |
| Interest expense | 426,000 | 826,000 | 1,225,000 | 1,601,000 |
| Net interest income | 541,000 | 1,123,000 | 1,666,000 | 2,241,000 |
| Noninterest income | 67,000 | 166,000 | 268,000 | 382,000 |
| Noninterest expense | 411,000 | 827,000 | 1,247,000 | 1,734,000 |
| Provision for loan losses | 30,000 | 65,000 | 110,000 | 155,000 |
| Pretax income | 167,000 | 393,000 | 573,000 | 730,000 |
| Income tax | 7,000 | 17,000 | 25,000 | -167,000 |
| Net income | 361,000 | 577,000 | 749,000 | 897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,844,000 | 6,056,000 | 6,225,000 | 6,373,000 |
| Total capital | 6,383,000 | 6,581,000 | 6,748,000 | 6,912,000 |
| Risk-weighted assets | 43,079,000 | 41,982,000 | 41,769,000 | 43,073,000 |
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