Call reports 2002
S-BANK — 2002
What S-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 | 113,252,000 | 113,427,000 | 115,104,000 | 118,095,000 |
| Total loans | 83,518,000 | 87,031,000 | 90,816,000 | 94,143,000 |
| Allowance for loan losses | 865,000 | 884,000 | 891,000 | 892,000 |
| Securities available for sale | 13,019,000 | 9,441,000 | 6,735,000 | 6,420,000 |
| Securities held to maturity | 5,456,000 | 7,921,000 | 7,562,000 | 7,563,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,436,000 | 88,100,000 | 88,435,000 | 86,589,000 |
| Interest-bearing deposits | 83,869,000 | 79,922,000 | 78,643,000 | 76,170,000 |
| Noninterest-bearing deposits | 6,567,000 | 8,178,000 | 9,792,000 | 10,419,000 |
| Equity capital | 7,488,000 | 7,988,000 | 8,105,000 | 8,433,000 |
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 | 1,828,000 | 3,690,000 | 5,564,000 | 7,433,000 |
| Interest expense | 662,000 | 1,269,000 | 1,898,000 | 2,506,000 |
| Net interest income | 1,166,000 | 2,421,000 | 3,666,000 | 4,927,000 |
| Noninterest income | 95,000 | 171,000 | 266,000 | 354,000 |
| Noninterest expense | 892,000 | 1,847,000 | 2,893,000 | 3,930,000 |
| Provision for loan losses | 27,000 | 54,000 | 54,000 | 54,000 |
| Pretax income | 330,000 | 719,000 | 1,004,000 | 1,262,000 |
| Income tax | 127,000 | 277,000 | 387,000 | 486,000 |
| Net income | 203,000 | 442,000 | 617,000 | 776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,538,000 | 7,883,000 | 7,987,000 | 8,278,000 |
| Total capital | 8,403,000 | 8,767,000 | 8,878,000 | 9,170,000 |
| Risk-weighted assets | 73,738,000 | 72,521,000 | 73,351,000 | 72,974,000 |