Call reports 2002
PHELPS COUNTY BANK — 2002
What PHELPS COUNTY 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 | 176,408,000 | 175,725,000 | 177,907,000 | 181,779,000 |
| Total loans | 108,071,000 | 114,588,000 | 119,870,000 | 119,609,000 |
| Allowance for loan losses | 1,222,000 | 1,207,000 | 1,202,000 | 1,232,000 |
| Securities available for sale | 51,589,000 | 45,543,000 | 40,803,000 | 42,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,884,000 | 158,907,000 | 160,318,000 | 164,165,000 |
| Interest-bearing deposits | 134,008,000 | 131,519,000 | 133,433,000 | 134,393,000 |
| Noninterest-bearing deposits | 26,876,000 | 27,388,000 | 26,885,000 | 29,772,000 |
| Equity capital | 12,557,000 | 13,947,000 | 14,663,000 | 14,785,000 |
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 | 2,717,000 | 5,452,000 | 8,168,000 | 10,931,000 |
| Interest expense | 1,036,000 | 1,977,000 | 2,884,000 | 3,745,000 |
| Net interest income | 1,681,000 | 3,475,000 | 5,284,000 | 7,186,000 |
| Noninterest income | 273,000 | 659,000 | 969,000 | 1,269,000 |
| Noninterest expense | 1,315,000 | 2,658,000 | 4,024,000 | 5,491,000 |
| Provision for loan losses | 10,000 | 21,000 | 33,000 | 225,000 |
| Pretax income | 629,000 | 1,462,000 | 2,207,000 | 2,826,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 18,000 |
| Net income | 625,000 | 1,453,000 | 2,194,000 | 2,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,912,000 | 13,315,000 | 13,631,000 | 13,820,000 |
| Total capital | 14,013,000 | 14,487,000 | 14,833,000 | 15,039,000 |
| Risk-weighted assets | 87,936,000 | 93,754,000 | 97,049,000 | 97,503,000 |