Call reports 2002
NAPOLEON STATE BANK, THE — 2002
What NAPOLEON STATE 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 | 75,750,000 | 76,013,000 | 77,540,000 | 81,450,000 |
| Total loans | 58,288,000 | 62,659,000 | 64,833,000 | 64,774,000 |
| Allowance for loan losses | 654,000 | 660,000 | 701,000 | 754,000 |
| Securities available for sale | 4,626,000 | 4,795,000 | 3,796,000 | 4,122,000 |
| Securities held to maturity | 3,548,000 | 3,548,000 | 2,965,000 | 3,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,278,000 | 65,770,000 | 66,470,000 | 70,156,000 |
| Interest-bearing deposits | 59,876,000 | 58,743,000 | 58,638,000 | 62,725,000 |
| Noninterest-bearing deposits | 7,402,000 | 7,027,000 | 7,832,000 | 7,431,000 |
| Equity capital | 7,637,000 | 7,896,000 | 8,212,000 | 8,391,000 |
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 | 1,269,000 | 2,536,000 | 3,848,000 | 5,148,000 |
| Interest expense | 554,000 | 1,035,000 | 1,477,000 | 1,915,000 |
| Net interest income | 715,000 | 1,501,000 | 2,371,000 | 3,233,000 |
| Noninterest income | 177,000 | 305,000 | 451,000 | 673,000 |
| Noninterest expense | 455,000 | 921,000 | 1,385,000 | 1,916,000 |
| Provision for loan losses | 15,000 | 45,000 | 100,000 | 185,000 |
| Pretax income | 422,000 | 840,000 | 1,338,000 | 1,806,000 |
| Income tax | 166,000 | 315,000 | 501,000 | 676,000 |
| Net income | 256,000 | 525,000 | 837,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,594,000 | 7,826,000 | 8,138,000 | 8,323,000 |
| Total capital | 8,248,000 | 8,486,000 | 8,839,000 | 9,052,000 |
| Risk-weighted assets | 52,854,000 | 55,647,000 | 57,368,000 | 58,265,000 |