Call reports 2002
STONE BANK — 2002
What STONE 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 | 12,468,000 | 12,486,000 | 12,158,000 | 13,272,000 |
| Total loans | 5,802,000 | 6,031,000 | 6,172,000 | 5,655,000 |
| Allowance for loan losses | 75,000 | 77,000 | 78,000 | 51,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 4,100,000 | 4,154,000 | 4,158,000 | 3,857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,912,000 | 9,775,000 | 9,427,000 | 10,628,000 |
| Interest-bearing deposits | 7,411,000 | 6,972,000 | 6,863,000 | 7,658,000 |
| Noninterest-bearing deposits | 2,501,000 | 2,803,000 | 2,564,000 | 2,970,000 |
| Equity capital | 2,490,000 | 2,612,000 | 2,621,000 | 2,490,000 |
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 | 184,000 | 460,000 | 635,000 | 791,000 |
| Interest expense | 43,000 | 81,000 | 113,000 | 146,000 |
| Net interest income | 141,000 | 379,000 | 522,000 | 645,000 |
| Noninterest income | 18,000 | 38,000 | 54,000 | 73,000 |
| Noninterest expense | 120,000 | 241,000 | 380,000 | 515,000 |
| Provision for loan losses | 6,000 | 11,000 | 11,000 | 67,000 |
| Pretax income | 33,000 | 165,000 | 185,000 | 136,000 |
| Income tax | 10,000 | 20,000 | 31,000 | 19,000 |
| Net income | 23,000 | 145,000 | 154,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,490,000 | 2,612,000 | 2,621,000 | 2,490,000 |
| Total capital | 2,565,000 | 2,689,000 | 2,699,000 | 2,541,000 |
| Risk-weighted assets | 6,725,000 | 6,843,000 | 6,912,000 | 6,744,000 |