Call reports 2002
INTERCHANGE BANK — 2002
What INTERCHANGE 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 | 862,998,000 | 905,446,000 | 920,907,000 | 936,332,000 |
| Total loans | 600,841,000 | 621,909,000 | 624,571,000 | 615,641,000 |
| Allowance for loan losses | 6,299,000 | 6,430,000 | 6,707,000 | 7,206,000 |
| Securities available for sale | 166,723,000 | 199,152,000 | 196,306,000 | 220,382,000 |
| Securities held to maturity | 34,907,000 | 31,005,000 | 29,657,000 | 28,192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 756,932,000 | 793,252,000 | 790,379,000 | 817,302,000 |
| Interest-bearing deposits | 644,320,000 | 681,662,000 | 673,425,000 | 697,094,000 |
| Noninterest-bearing deposits | 112,612,000 | 111,590,000 | 116,954,000 | 120,208,000 |
| Equity capital | 68,755,000 | 73,547,000 | 77,720,000 | 78,835,000 |
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 | 13,744,000 | 27,945,000 | 42,315,000 | 56,500,000 |
| Interest expense | 4,676,000 | 9,250,000 | 13,560,000 | 17,477,000 |
| Net interest income | 9,068,000 | 18,695,000 | 28,755,000 | 39,023,000 |
| Noninterest income | 1,374,000 | 2,757,000 | 4,317,000 | 6,512,000 |
| Noninterest expense | 6,097,000 | 12,332,000 | 18,611,000 | 25,451,000 |
| Provision for loan losses | 225,000 | 480,000 | 885,000 | 1,500,000 |
| Pretax income | 4,307,000 | 8,921,000 | 14,071,000 | 19,148,000 |
| Income tax | 1,332,000 | 2,823,000 | 4,471,000 | 6,096,000 |
| Net income | 2,975,000 | 6,098,000 | 9,600,000 | 13,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,473,000 | 69,615,000 | 72,153,000 | 73,607,000 |
| Total capital | 72,772,000 | 76,045,000 | 78,860,000 | 80,813,000 |
| Risk-weighted assets | 593,343,000 | 617,831,000 | 620,162,000 | 621,430,000 |