Call reports 2002
BANK OF ERATH — 2002
What BANK OF ERATH 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 | 58,529,000 | 58,633,000 | 57,921,000 | 60,312,000 |
| Total loans | 22,232,000 | 24,019,000 | 24,566,000 | 23,878,000 |
| Allowance for loan losses | 371,000 | 393,000 | 401,000 | 418,000 |
| Securities available for sale | 28,048,000 | 28,806,000 | 27,114,000 | 30,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,215,000 | 49,491,000 | 48,242,000 | 50,511,000 |
| Interest-bearing deposits | 38,729,000 | 38,150,000 | 37,704,000 | 38,105,000 |
| Noninterest-bearing deposits | 11,486,000 | 11,341,000 | 10,538,000 | 12,406,000 |
| Equity capital | 8,029,000 | 8,532,000 | 8,886,000 | 8,819,000 |
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 | 844,000 | 1,689,000 | 2,508,000 | 3,315,000 |
| Interest expense | 252,000 | 475,000 | 679,000 | 857,000 |
| Net interest income | 592,000 | 1,214,000 | 1,829,000 | 2,458,000 |
| Noninterest income | 97,000 | 204,000 | 314,000 | 473,000 |
| Noninterest expense | 493,000 | 968,000 | 1,455,000 | 1,979,000 |
| Provision for loan losses | 18,000 | 40,000 | 63,000 | 85,000 |
| Pretax income | 178,000 | 410,000 | 625,000 | 867,000 |
| Income tax | 45,000 | 107,000 | 166,000 | 192,000 |
| Net income | 133,000 | 303,000 | 459,000 | 675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,017,000 | 8,177,000 | 8,333,000 | 8,327,000 |
| Total capital | 8,388,000 | 8,570,000 | 8,734,000 | 8,745,000 |
| Risk-weighted assets | 31,635,000 | 33,550,000 | 34,246,000 | 34,235,000 |