Call reports 2002
STATE BANK OF HERSCHER — 2002
What STATE BANK OF HERSCHER 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 | 83,367,000 | 81,511,000 | 89,413,000 | 94,067,000 |
| Total loans | 59,478,000 | 59,373,000 | 58,956,000 | 56,528,000 |
| Allowance for loan losses | 777,000 | 822,000 | 840,000 | 833,000 |
| Securities available for sale | 9,361,000 | 9,967,000 | 10,309,000 | 9,433,000 |
| Securities held to maturity | 7,814,000 | 7,706,000 | 8,124,000 | 9,179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,871,000 | 69,863,000 | 77,376,000 | 82,018,000 |
| Interest-bearing deposits | 65,693,000 | 63,046,000 | 69,385,000 | 72,082,000 |
| Noninterest-bearing deposits | 6,178,000 | 6,817,000 | 7,991,000 | 9,936,000 |
| Equity capital | 10,305,000 | 10,619,000 | 10,933,000 | 10,953,000 |
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 | 1,380,000 | 2,710,000 | 4,070,000 | 5,405,000 |
| Interest expense | 635,000 | 1,209,000 | 1,793,000 | 2,388,000 |
| Net interest income | 745,000 | 1,501,000 | 2,277,000 | 3,017,000 |
| Noninterest income | 57,000 | 112,000 | 156,000 | 251,000 |
| Noninterest expense | 441,000 | 887,000 | 1,342,000 | 1,775,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 165,000 |
| Pretax income | 339,000 | 661,000 | 982,000 | 1,329,000 |
| Income tax | 105,000 | 199,000 | 297,000 | 397,000 |
| Net income | 234,000 | 462,000 | 685,000 | 932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,299,000 | 10,495,000 | 10,728,000 | 10,753,000 |
| Total capital | 11,076,000 | 11,293,000 | 11,535,000 | 11,562,000 |
| Risk-weighted assets | 63,744,000 | 63,801,000 | 64,436,000 | 64,736,000 |