Call reports 2002
TRADERS BANK, INC. — 2002
What TRADERS BANK, INC. 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 | 127,107,000 | 127,175,000 | 127,830,000 | 125,685,000 |
| Total loans | 106,599,000 | 104,509,000 | 102,968,000 | 102,672,000 |
| Allowance for loan losses | 1,205,000 | 1,289,000 | 1,302,000 | 1,519,000 |
| Securities available for sale | 7,741,000 | 5,664,000 | 5,740,000 | 10,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,896,000 | 111,541,000 | 111,595,000 | 109,932,000 |
| Interest-bearing deposits | 95,223,000 | 94,555,000 | 93,517,000 | 92,358,000 |
| Noninterest-bearing deposits | 16,673,000 | 16,986,000 | 18,078,000 | 17,574,000 |
| Equity capital | 14,270,000 | 14,482,000 | 14,863,000 | 15,008,000 |
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 | 2,142,000 | 4,282,000 | 6,435,000 | 8,498,000 |
| Interest expense | 815,000 | 1,555,000 | 2,236,000 | 2,864,000 |
| Net interest income | 1,327,000 | 2,727,000 | 4,199,000 | 5,634,000 |
| Noninterest income | 94,000 | 200,000 | 300,000 | 489,000 |
| Noninterest expense | 781,000 | 1,603,000 | 2,423,000 | 3,356,000 |
| Provision for loan losses | 90,000 | 180,000 | 180,000 | 0 |
| Pretax income | 550,000 | 1,144,000 | 1,896,000 | 2,767,000 |
| Income tax | 236,000 | 511,000 | 807,000 | 1,088,000 |
| Net income | 314,000 | 633,000 | 1,089,000 | 1,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,182,000 | 14,452,000 | 14,856,000 | 14,956,000 |
| Total capital | 15,388,000 | 15,657,000 | 16,062,000 | 16,147,000 |
| Risk-weighted assets | 97,344,000 | 96,312,000 | 95,877,000 | 94,954,000 |