Call reports 2002
SHARON BANK — 2002
What SHARON 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 | 152,930,000 | 157,826,000 | 164,887,000 | 174,881,000 |
| Total loans | 74,416,000 | 77,035,000 | 75,554,000 | 75,699,000 |
| Allowance for loan losses | 513,000 | 514,000 | 164,000 | 164,000 |
| Securities available for sale | 14,895,000 | 14,925,000 | 14,940,000 | 19,950,000 |
| Securities held to maturity | 50,608,000 | 52,763,000 | 52,357,000 | 52,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,269,000 | 143,823,000 | 150,776,000 | 161,036,000 |
| Interest-bearing deposits | 135,399,000 | 139,976,000 | 146,128,000 | 156,089,000 |
| Noninterest-bearing deposits | 3,870,000 | 3,847,000 | 4,648,000 | 4,947,000 |
| Equity capital | 12,800,000 | 13,043,000 | 13,258,000 | 13,443,000 |
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 | 2,241,000 | 4,480,000 | 6,664,000 | 8,842,000 |
| Interest expense | 1,092,000 | 2,163,000 | 3,247,000 | 4,326,000 |
| Net interest income | 1,149,000 | 2,317,000 | 3,417,000 | 4,516,000 |
| Noninterest income | 67,000 | 210,000 | 313,000 | 414,000 |
| Noninterest expense | 899,000 | 1,821,000 | 3,255,000 | 4,219,000 |
| Provision for loan losses | 0 | 38,000 | -309,000 | -309,000 |
| Pretax income | 317,000 | 668,000 | 784,000 | 1,020,000 |
| Income tax | 112,000 | 239,000 | 150,000 | 208,000 |
| Net income | 205,000 | 429,000 | 634,000 | 812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,783,000 | 13,036,000 | 13,256,000 | 13,440,000 |
| Total capital | 13,296,000 | 13,550,000 | 13,420,000 | 13,606,000 |
| Risk-weighted assets | 84,679,000 | 86,253,000 | 84,626,000 | 82,619,000 |