Call reports 2002
EFS BANK — 2002
What EFS 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 | 699,759,000 | 727,220,000 | 745,188,000 | 778,987,000 |
| Total loans | 553,721,000 | 575,202,000 | 570,752,000 | 600,174,000 |
| Allowance for loan losses | 2,480,000 | 2,704,000 | 2,930,000 | 3,141,000 |
| Securities available for sale | 81,874,000 | 83,037,000 | 97,070,000 | 102,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 455,078,000 | 483,945,000 | 499,046,000 | 532,477,000 |
| Interest-bearing deposits | 425,143,000 | 446,312,000 | 465,063,000 | 497,192,000 |
| Noninterest-bearing deposits | 29,935,000 | 37,633,000 | 33,983,000 | 35,285,000 |
| Equity capital | 65,218,000 | 67,084,000 | 68,892,000 | 69,792,000 |
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 | 11,193,000 | 22,426,000 | 33,789,000 | 45,311,000 |
| Interest expense | 5,644,000 | 11,298,000 | 17,000,000 | 22,589,000 |
| Net interest income | 5,549,000 | 11,128,000 | 16,789,000 | 22,722,000 |
| Noninterest income | 798,000 | 1,477,000 | 2,395,000 | 3,160,000 |
| Noninterest expense | 3,645,000 | 7,280,000 | 11,185,000 | 15,164,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 2,477,000 | 4,875,000 | 7,324,000 | 9,818,000 |
| Income tax | 765,000 | 1,493,000 | 2,280,000 | 3,049,000 |
| Net income | 1,712,000 | 3,382,000 | 5,044,000 | 6,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,185,000 | 66,301,000 | 67,392,000 | 68,533,000 |
| Total capital | 67,665,000 | 69,005,000 | 70,322,000 | 71,674,000 |
| Risk-weighted assets | 468,901,000 | 487,813,000 | 503,287,000 | 534,423,000 |