Call reports 2002
BANK OF JACOMO — 2002
What BANK OF JACOMO 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 | 243,748,000 | 244,527,000 | 243,610,000 | 240,163,000 |
| Total loans | 167,471,000 | 162,973,000 | 162,438,000 | 165,783,000 |
| Allowance for loan losses | 2,698,000 | 2,796,000 | 2,795,000 | 2,988,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,275,000 | 17,934,000 | 26,280,000 | 30,201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,256,000 | 194,594,000 | 193,926,000 | 190,458,000 |
| Interest-bearing deposits | 144,535,000 | 144,447,000 | 144,850,000 | 141,422,000 |
| Noninterest-bearing deposits | 48,721,000 | 50,147,000 | 49,076,000 | 49,036,000 |
| Equity capital | 43,756,000 | 43,908,000 | 43,816,000 | 43,856,000 |
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 | 3,435,000 | 6,860,000 | 10,232,000 | 13,543,000 |
| Interest expense | 997,000 | 1,878,000 | 2,629,000 | 3,306,000 |
| Net interest income | 2,438,000 | 4,982,000 | 7,603,000 | 10,237,000 |
| Noninterest income | 630,000 | 1,343,000 | 2,074,000 | 2,936,000 |
| Noninterest expense | 1,658,000 | 3,341,000 | 5,014,000 | 6,757,000 |
| Provision for loan losses | 125,000 | 253,000 | 393,000 | 606,000 |
| Pretax income | 1,285,000 | 2,731,000 | 4,270,000 | 5,810,000 |
| Income tax | 485,000 | 1,029,000 | 1,610,000 | 2,060,000 |
| Net income | 800,000 | 1,702,000 | 2,660,000 | 3,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,110,000 | 19,262,000 | 19,170,000 | 19,210,000 |
| Total capital | 21,216,000 | 21,330,000 | 21,246,000 | 21,281,000 |
| Risk-weighted assets | 167,893,000 | 164,719,000 | 165,354,000 | 164,783,000 |