Call reports 2002
STATE BANK OF BOTTINEAU — 2002
What STATE BANK OF BOTTINEAU 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 | 41,193,000 | 39,908,000 | 40,244,000 | 39,550,000 |
| Total loans | 24,326,000 | 28,566,000 | 28,545,000 | 28,330,000 |
| Allowance for loan losses | 511,000 | 520,000 | 499,000 | 492,000 |
| Securities available for sale | 225,000 | 165,000 | 165,000 | 164,000 |
| Securities held to maturity | 7,520,000 | 7,180,000 | 6,804,000 | 6,451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,018,000 | 35,660,000 | 35,807,000 | 34,556,000 |
| Interest-bearing deposits | 33,997,000 | 32,374,000 | 31,522,000 | 30,821,000 |
| Noninterest-bearing deposits | 3,021,000 | 3,286,000 | 4,285,000 | 3,735,000 |
| Equity capital | 3,559,000 | 3,620,000 | 3,755,000 | 3,828,000 |
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 | 639,000 | 1,302,000 | 1,983,000 | 2,623,000 |
| Interest expense | 257,000 | 493,000 | 715,000 | 922,000 |
| Net interest income | 382,000 | 809,000 | 1,268,000 | 1,701,000 |
| Noninterest income | 50,000 | 102,000 | 155,000 | 207,000 |
| Noninterest expense | 288,000 | 609,000 | 909,000 | 1,245,000 |
| Provision for loan losses | 9,000 | 18,000 | 33,000 | 48,000 |
| Pretax income | 135,000 | 284,000 | 481,000 | 615,000 |
| Income tax | 13,000 | 26,000 | 38,000 | 47,000 |
| Net income | 122,000 | 258,000 | 443,000 | 568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,076,000 | 3,142,000 | 3,283,000 | 3,363,000 |
| Total capital | 3,417,000 | 3,523,000 | 3,665,000 | 3,747,000 |
| Risk-weighted assets | 27,149,000 | 30,313,000 | 30,408,000 | 30,598,000 |