Call reports 2002
BELLS BANKING COMPANY — 2002
What BELLS BANKING COMPANY 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 | 30,063,000 | 31,318,000 | 31,346,000 | 34,539,000 |
| Total loans | 13,383,000 | 14,048,000 | 13,886,000 | 13,173,000 |
| Allowance for loan losses | 147,000 | 155,000 | 156,000 | 182,000 |
| Securities available for sale | 10,531,000 | 10,640,000 | 10,975,000 | 10,788,000 |
| Securities held to maturity | 1,549,000 | 1,231,000 | 1,230,000 | 1,156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,562,000 | 26,563,000 | 26,522,000 | 29,723,000 |
| Interest-bearing deposits | 23,413,000 | 24,081,000 | 24,026,000 | 26,532,000 |
| Noninterest-bearing deposits | 2,149,000 | 2,482,000 | 2,496,000 | 3,191,000 |
| Equity capital | 4,042,000 | 4,241,000 | 4,368,000 | 4,393,000 |
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 | 468,000 | 926,000 | 1,372,000 | 1,804,000 |
| Interest expense | 169,000 | 319,000 | 459,000 | 595,000 |
| Net interest income | 299,000 | 607,000 | 913,000 | 1,209,000 |
| Noninterest income | 17,000 | 30,000 | 45,000 | 60,000 |
| Noninterest expense | 205,000 | 416,000 | 625,000 | 828,000 |
| Provision for loan losses | 4,000 | 19,000 | 34,000 | 74,000 |
| Pretax income | 109,000 | 208,000 | 305,000 | 373,000 |
| Income tax | 28,000 | 52,000 | 76,000 | 98,000 |
| Net income | 81,000 | 156,000 | 229,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,045,000 | 4,126,000 | 4,203,000 | 4,248,000 |
| Total capital | 4,192,000 | 4,281,000 | 4,359,000 | 4,430,000 |
| Risk-weighted assets | 16,114,000 | 16,307,000 | 16,161,000 | 16,484,000 |