Call reports 2002
FIRST BANK OF BANCROFT — 2002
What FIRST BANK OF BANCROFT 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 | 14,453,000 | 14,411,000 | 14,129,000 | 13,980,000 |
| Total loans | 9,819,000 | 9,859,000 | 9,773,000 | 9,670,000 |
| Allowance for loan losses | 181,000 | 181,000 | 182,000 | 180,000 |
| Securities available for sale | 2,871,000 | 2,862,000 | 2,471,000 | 2,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,545,000 | 11,194,000 | 11,156,000 | 11,119,000 |
| Interest-bearing deposits | 10,071,000 | 9,876,000 | 9,823,000 | 9,512,000 |
| Noninterest-bearing deposits | 1,474,000 | 1,318,000 | 1,333,000 | 1,607,000 |
| Equity capital | 2,645,000 | 2,678,000 | 2,718,000 | 2,659,000 |
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 | 260,000 | 484,000 | 691,000 | 896,000 |
| Interest expense | 69,000 | 131,000 | 190,000 | 242,000 |
| Net interest income | 191,000 | 353,000 | 501,000 | 654,000 |
| Noninterest income | 8,000 | 19,000 | 31,000 | 43,000 |
| Noninterest expense | 133,000 | 257,000 | 385,000 | 511,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 66,000 | 115,000 | 147,000 | 186,000 |
| Income tax | 19,000 | 32,000 | 33,000 | 41,000 |
| Net income | 47,000 | 83,000 | 114,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,634,000 | 2,670,000 | 2,701,000 | 2,632,000 |
| Total capital | 2,754,000 | 2,792,000 | 2,823,000 | 2,751,000 |
| Risk-weighted assets | 9,569,000 | 9,684,000 | 9,695,000 | 9,472,000 |