Call reports 2002
BATH STATE BANK — 2002
What BATH 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 | 78,351,000 | 80,106,000 | 83,431,000 | 86,916,000 |
| Total loans | 55,255,000 | 62,021,000 | 63,233,000 | 63,996,000 |
| Allowance for loan losses | 728,000 | 755,000 | 761,000 | 803,000 |
| Securities available for sale | 11,342,000 | 9,949,000 | 10,051,000 | 11,319,000 |
| Securities held to maturity | 2,252,000 | 2,252,000 | 2,132,000 | 2,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,242,000 | 66,809,000 | 68,356,000 | 71,743,000 |
| Interest-bearing deposits | 63,556,000 | 64,132,000 | 65,456,000 | 68,019,000 |
| Noninterest-bearing deposits | 2,686,000 | 2,677,000 | 2,900,000 | 3,724,000 |
| Equity capital | 6,242,000 | 6,485,000 | 6,776,000 | 6,951,000 |
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 | 1,336,000 | 2,714,000 | 4,178,000 | 5,664,000 |
| Interest expense | 744,000 | 1,478,000 | 2,210,000 | 2,941,000 |
| Net interest income | 592,000 | 1,236,000 | 1,968,000 | 2,723,000 |
| Noninterest income | 79,000 | 300,000 | 455,000 | 744,000 |
| Noninterest expense | 448,000 | 967,000 | 1,502,000 | 2,202,000 |
| Provision for loan losses | 39,000 | 115,000 | 175,000 | 235,000 |
| Pretax income | 184,000 | 472,000 | 764,000 | 1,048,000 |
| Income tax | 41,000 | 120,000 | 200,000 | 252,000 |
| Net income | 143,000 | 352,000 | 564,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,165,000 | 6,319,000 | 6,532,000 | 6,747,000 |
| Total capital | 6,879,000 | 7,074,000 | 7,293,000 | 7,550,000 |
| Risk-weighted assets | 57,110,000 | 62,971,000 | 64,788,000 | 66,139,000 |