Call reports 2002
COLDWATER NATIVE BANK, THE — 2002
What COLDWATER NATIVE BANK, THE 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 | 15,615,000 | 15,568,000 | 14,720,000 | 17,171,000 |
| Total loans | 3,182,000 | 2,982,000 | 3,060,000 | 3,050,000 |
| Allowance for loan losses | 78,000 | 57,000 | 60,000 | 61,000 |
| Securities available for sale | 8,361,000 | 8,580,000 | 8,020,000 | 8,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,408,000 | 12,175,000 | 11,302,000 | 13,762,000 |
| Interest-bearing deposits | 11,214,000 | 10,827,000 | 10,201,000 | 12,722,000 |
| Noninterest-bearing deposits | 1,194,000 | 1,348,000 | 1,101,000 | 1,040,000 |
| Equity capital | 3,083,000 | 3,228,000 | 3,247,000 | 3,242,000 |
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 | 212,000 | 435,000 | 612,000 | 798,000 |
| Interest expense | 62,000 | 112,000 | 154,000 | 194,000 |
| Net interest income | 150,000 | 323,000 | 458,000 | 604,000 |
| Noninterest income | 10,000 | 20,000 | 29,000 | 39,000 |
| Noninterest expense | 125,000 | 236,000 | 368,000 | 505,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 35,000 | 107,000 | 119,000 | 138,000 |
| Income tax | 6,000 | 22,000 | 24,000 | 32,000 |
| Net income | 29,000 | 85,000 | 95,000 | 106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,066,000 | 3,123,000 | 3,133,000 | 3,144,000 |
| Total capital | 3,137,000 | 3,180,000 | 3,193,000 | 3,205,000 |
| Risk-weighted assets | 5,647,000 | 5,458,000 | 5,326,000 | 5,836,000 |