Call reports 2002
LUMPKIN COUNTY BANK — 2002
What LUMPKIN 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 | 69,804,000 | 69,507,000 | 70,382,000 | 71,677,000 |
| Total loans | 54,020,000 | 55,492,000 | 60,341,000 | 60,184,000 |
| Allowance for loan losses | 557,000 | 561,000 | 573,000 | 768,000 |
| Securities available for sale | 5,505,000 | 5,355,000 | 4,651,000 | 4,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,586,000 | 62,228,000 | 60,378,000 | 61,726,000 |
| Interest-bearing deposits | 57,742,000 | 56,467,000 | 55,414,000 | 56,662,000 |
| Noninterest-bearing deposits | 4,844,000 | 5,761,000 | 4,964,000 | 5,064,000 |
| Equity capital | 5,786,000 | 5,882,000 | 6,050,000 | 5,943,000 |
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 | 1,214,000 | 2,419,000 | 3,703,000 | 4,878,000 |
| Interest expense | 655,000 | 1,260,000 | 1,831,000 | 2,364,000 |
| Net interest income | 559,000 | 1,159,000 | 1,872,000 | 2,514,000 |
| Noninterest income | 92,000 | 186,000 | 320,000 | 448,000 |
| Noninterest expense | 532,000 | 1,076,000 | 1,619,000 | 2,170,000 |
| Provision for loan losses | 30,000 | 60,000 | 145,000 | 406,000 |
| Pretax income | 89,000 | 209,000 | 428,000 | 386,000 |
| Income tax | 19,000 | 65,000 | 123,000 | 140,000 |
| Net income | 70,000 | 144,000 | 305,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,763,000 | 5,806,000 | 5,936,000 | 5,846,000 |
| Total capital | 6,320,000 | 6,367,000 | 6,509,000 | 6,590,000 |
| Risk-weighted assets | 53,833,000 | 55,527,000 | 59,687,000 | 59,521,000 |