Call reports 2002
BONHAM STATE BANK — 2002
What BONHAM 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 | 90,520,000 | 90,293,000 | 89,472,000 | 91,696,000 |
| Total loans | 49,673,000 | 50,261,000 | 50,858,000 | 48,299,000 |
| Allowance for loan losses | 363,000 | 464,000 | 465,000 | 539,000 |
| Securities available for sale | 13,020,000 | 12,171,000 | 11,222,000 | 11,117,000 |
| Securities held to maturity | 14,414,000 | 14,436,000 | 14,854,000 | 12,803,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,608,000 | 80,966,000 | 79,808,000 | 82,630,000 |
| Interest-bearing deposits | 66,637,000 | 66,831,000 | 65,261,000 | 68,312,000 |
| Noninterest-bearing deposits | 14,971,000 | 14,135,000 | 14,547,000 | 14,318,000 |
| Equity capital | 8,265,000 | 8,628,000 | 8,993,000 | 8,481,000 |
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 | 1,418,000 | 2,826,000 | 4,237,000 | 5,584,000 |
| Interest expense | 455,000 | 872,000 | 1,273,000 | 1,671,000 |
| Net interest income | 963,000 | 1,954,000 | 2,964,000 | 3,913,000 |
| Noninterest income | 159,000 | 327,000 | 496,000 | 685,000 |
| Noninterest expense | 607,000 | 1,206,000 | 1,858,000 | 2,517,000 |
| Provision for loan losses | 22,000 | 134,000 | 192,000 | 337,000 |
| Pretax income | 493,000 | 941,000 | 1,410,000 | 1,744,000 |
| Income tax | 136,000 | 256,000 | 383,000 | 468,000 |
| Net income | 357,000 | 685,000 | 1,027,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,086,000 | 8,412,000 | 8,754,000 | 8,292,000 |
| Total capital | 8,449,000 | 8,876,000 | 9,219,000 | 8,831,000 |
| Risk-weighted assets | 53,343,000 | 53,795,000 | 53,359,000 | 51,708,000 |