Call reports 2002
SYLVESTER BANKING COMPANY — 2002
What SYLVESTER BANKING COMPANY 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 | 47,652,000 | 47,104,000 | 43,641,000 | 46,262,000 |
| Total loans | 16,490,000 | 14,941,000 | 14,512,000 | 12,775,000 |
| Allowance for loan losses | 198,000 | 201,000 | 204,000 | 173,000 |
| Securities available for sale | 0 | 0 | 2,013,000 | 6,020,000 |
| Securities held to maturity | 21,821,000 | 20,321,000 | 21,320,000 | 17,316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,530,000 | 39,903,000 | 36,318,000 | 39,013,000 |
| Interest-bearing deposits | 34,382,000 | 34,461,000 | 30,697,000 | 32,330,000 |
| Noninterest-bearing deposits | 6,148,000 | 5,442,000 | 5,621,000 | 6,683,000 |
| Equity capital | 6,962,000 | 7,017,000 | 7,099,000 | 7,152,000 |
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 | 658,000 | 1,271,000 | 1,848,000 | 2,402,000 |
| Interest expense | 208,000 | 384,000 | 542,000 | 689,000 |
| Net interest income | 450,000 | 887,000 | 1,306,000 | 1,713,000 |
| Noninterest income | 81,000 | 158,000 | 251,000 | 340,000 |
| Noninterest expense | 370,000 | 739,000 | 1,085,000 | 1,491,000 |
| Provision for loan losses | 0 | 0 | 0 | -29,000 |
| Pretax income | 161,000 | 306,000 | 472,000 | 591,000 |
| Income tax | 46,000 | 98,000 | 153,000 | 185,000 |
| Net income | 115,000 | 208,000 | 319,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,962,000 | 7,017,000 | 7,099,000 | 7,140,000 |
| Total capital | 7,160,000 | 7,218,000 | 7,303,000 | 7,313,000 |
| Risk-weighted assets | 21,539,000 | 20,115,000 | 19,170,000 | 18,241,000 |