Call reports 2002
BELLE STATE BANK — 2002
What BELLE STATE BANK 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 | 58,867,000 | 60,438,000 | 61,673,000 | 63,520,000 |
| Total loans | 44,101,000 | 46,738,000 | 48,249,000 | 49,653,000 |
| Allowance for loan losses | 431,000 | 454,000 | 478,000 | 498,000 |
| Securities available for sale | 10,541,000 | 9,844,000 | 9,814,000 | 9,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,849,000 | 50,280,000 | 51,299,000 | 52,312,000 |
| Interest-bearing deposits | 43,227,000 | 44,759,000 | 46,368,000 | 47,140,000 |
| Noninterest-bearing deposits | 5,622,000 | 5,521,000 | 4,931,000 | 5,172,000 |
| Equity capital | 4,366,000 | 4,556,000 | 4,771,000 | 4,989,000 |
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 | 971,000 | 1,989,000 | 3,060,000 | 4,117,000 |
| Interest expense | 403,000 | 801,000 | 1,192,000 | 1,567,000 |
| Net interest income | 568,000 | 1,188,000 | 1,868,000 | 2,550,000 |
| Noninterest income | 77,000 | 193,000 | 329,000 | 422,000 |
| Noninterest expense | 398,000 | 844,000 | 1,298,000 | 1,708,000 |
| Provision for loan losses | 35,000 | 80,000 | 125,000 | 150,000 |
| Pretax income | 212,000 | 466,000 | 783,000 | 1,123,000 |
| Income tax | 62,000 | 156,000 | 259,000 | 385,000 |
| Net income | 150,000 | 310,000 | 524,000 | 738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,316,000 | 4,476,000 | 4,690,000 | 4,904,000 |
| Total capital | 4,747,000 | 4,930,000 | 5,168,000 | 5,402,000 |
| Risk-weighted assets | 44,019,000 | 44,555,000 | 45,982,000 | 47,227,000 |