Call reports 2002
FIRST NATIONAL BANK OF SHINER, THE — 2002
What FIRST NATIONAL BANK OF SHINER, 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 | 82,630,000 | 79,558,000 | 79,327,000 | 113,750,000 |
| Total loans | 30,511,000 | 30,091,000 | 29,817,000 | 31,267,000 |
| Allowance for loan losses | 480,000 | 501,000 | 513,000 | 617,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 41,602,000 | 42,091,000 | 42,260,000 | 59,094,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,572,000 | 64,451,000 | 63,974,000 | 98,931,000 |
| Interest-bearing deposits | 54,555,000 | 53,647,000 | 52,678,000 | 86,433,000 |
| Noninterest-bearing deposits | 13,017,000 | 10,804,000 | 11,296,000 | 12,499,000 |
| Equity capital | 14,461,000 | 14,679,000 | 14,971,000 | 14,492,000 |
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 | 1,180,000 | 2,327,000 | 3,375,000 | 4,458,000 |
| Interest expense | 459,000 | 876,000 | 1,250,000 | 1,652,000 |
| Net interest income | 721,000 | 1,451,000 | 2,125,000 | 2,806,000 |
| Noninterest income | 39,000 | 76,000 | 117,000 | 175,000 |
| Noninterest expense | 317,000 | 682,000 | 985,000 | 1,358,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 234,000 |
| Pretax income | 422,000 | 803,000 | 1,194,000 | 1,389,000 |
| Income tax | 108,000 | 211,000 | 310,000 | 384,000 |
| Net income | 314,000 | 592,000 | 884,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,461,000 | 14,679,000 | 14,971,000 | 13,826,000 |
| Total capital | 14,935,000 | 15,145,000 | 15,443,000 | 14,405,000 |
| Risk-weighted assets | 37,903,000 | 37,234,000 | 37,735,000 | 46,319,000 |