Call reports 2002
FIRST STATE BANK OF WARREN — 2002
What FIRST STATE BANK OF WARREN 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 | 96,169,000 | 99,079,000 | 98,727,000 | 99,218,000 |
| Total loans | 57,035,000 | 58,330,000 | 60,837,000 | 58,094,000 |
| Allowance for loan losses | 530,000 | 643,000 | 658,000 | 703,000 |
| Securities available for sale | 23,568,000 | 29,470,000 | 25,698,000 | 24,508,000 |
| Securities held to maturity | 2,706,000 | 2,556,000 | 2,532,000 | 2,746,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,176,000 | 87,772,000 | 86,965,000 | 87,512,000 |
| Interest-bearing deposits | 74,965,000 | 78,598,000 | 76,028,000 | 75,762,000 |
| Noninterest-bearing deposits | 10,211,000 | 9,175,000 | 10,937,000 | 11,749,000 |
| Equity capital | 9,980,000 | 10,384,000 | 10,629,000 | 10,580,000 |
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 | 1,486,000 | 2,971,000 | 4,437,000 | 5,846,000 |
| Interest expense | 562,000 | 1,083,000 | 1,584,000 | 2,047,000 |
| Net interest income | 924,000 | 1,888,000 | 2,853,000 | 3,799,000 |
| Noninterest income | 146,000 | 289,000 | 422,000 | 555,000 |
| Noninterest expense | 627,000 | 1,315,000 | 1,982,000 | 2,689,000 |
| Provision for loan losses | 50,000 | 240,000 | 270,000 | 330,000 |
| Pretax income | 395,000 | 626,000 | 1,049,000 | 1,401,000 |
| Income tax | 130,000 | 184,000 | 334,000 | 448,000 |
| Net income | 265,000 | 442,000 | 715,000 | 953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,183,000 | 10,227,000 | 10,412,000 | 10,407,000 |
| Total capital | 10,713,000 | 10,870,000 | 11,070,000 | 11,110,000 |
| Risk-weighted assets | 61,919,000 | 63,358,000 | 65,214,000 | 62,495,000 |