Call reports 2002
STEPHENVILLE BANK AND TRUST CO. — 2002
What STEPHENVILLE BANK AND TRUST CO. 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 | 128,105,000 | 129,950,000 | 135,024,000 | 138,281,000 |
| Total loans | 74,846,000 | 76,162,000 | 79,550,000 | 75,454,000 |
| Allowance for loan losses | 760,000 | 784,000 | 907,000 | 778,000 |
| Securities available for sale | 23,849,000 | 24,535,000 | 24,711,000 | 29,378,000 |
| Securities held to maturity | 20,787,000 | 20,779,000 | 20,770,000 | 20,760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,151,000 | 117,428,000 | 121,707,000 | 125,226,000 |
| Interest-bearing deposits | 92,127,000 | 91,997,000 | 93,828,000 | 97,240,000 |
| Noninterest-bearing deposits | 24,024,000 | 25,431,000 | 27,880,000 | 27,986,000 |
| Equity capital | 11,322,000 | 12,083,000 | 12,689,000 | 12,755,000 |
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 | 1,938,000 | 3,897,000 | 5,838,000 | 7,737,000 |
| Interest expense | 528,000 | 999,000 | 1,451,000 | 1,882,000 |
| Net interest income | 1,410,000 | 2,898,000 | 4,387,000 | 5,855,000 |
| Noninterest income | 332,000 | 705,000 | 1,089,000 | 1,559,000 |
| Noninterest expense | 892,000 | 1,828,000 | 2,724,000 | 3,635,000 |
| Provision for loan losses | 35,000 | 90,000 | 210,000 | 375,000 |
| Pretax income | 815,000 | 1,685,000 | 2,542,000 | 3,404,000 |
| Income tax | 262,000 | 541,000 | 815,000 | 1,091,000 |
| Net income | 553,000 | 1,144,000 | 1,727,000 | 2,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,236,000 | 11,634,000 | 11,918,000 | 12,203,000 |
| Total capital | 11,996,000 | 12,418,000 | 12,825,000 | 12,981,000 |
| Risk-weighted assets | 77,835,000 | 78,863,000 | 82,265,000 | 80,299,000 |