Call reports 2002
FIRST STATE BANK OF ST. ROBERT — 2002
What FIRST STATE BANK OF ST. ROBERT 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 | 55,990,000 | 55,568,000 | 55,677,000 | 54,307,000 |
| Total loans | 32,354,000 | 32,920,000 | 32,284,000 | 32,974,000 |
| Allowance for loan losses | 404,000 | 414,000 | 429,000 | 421,000 |
| Securities available for sale | 15,110,000 | 12,922,000 | 13,797,000 | 11,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,119,000 | 51,471,000 | 51,566,000 | 50,111,000 |
| Interest-bearing deposits | 46,158,000 | 45,886,000 | 36,627,000 | 45,219,000 |
| Noninterest-bearing deposits | 5,961,000 | 5,585,000 | 14,939,000 | 4,892,000 |
| Equity capital | 3,695,000 | 3,865,000 | 3,913,000 | 3,993,000 |
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 | 919,000 | 1,813,000 | 2,677,000 | 3,508,000 |
| Interest expense | 454,000 | 872,000 | 1,269,000 | 1,634,000 |
| Net interest income | 465,000 | 941,000 | 1,408,000 | 1,874,000 |
| Noninterest income | 90,000 | 189,000 | 279,000 | 374,000 |
| Noninterest expense | 438,000 | 856,000 | 1,301,000 | 1,758,000 |
| Provision for loan losses | 38,000 | 107,000 | 154,000 | 195,000 |
| Pretax income | 87,000 | 179,000 | 251,000 | 315,000 |
| Income tax | 24,000 | 51,000 | 62,000 | 80,000 |
| Net income | 63,000 | 128,000 | 189,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,732,000 | 3,797,000 | 3,829,000 | 3,904,000 |
| Total capital | 4,139,000 | 4,212,000 | 4,258,000 | 4,325,000 |
| Risk-weighted assets | 35,452,000 | 36,127,000 | 43,380,000 | 35,604,000 |