Call reports 2002
FIRST NATIONAL BANK OF ELMER — 2002
What FIRST NATIONAL BANK OF ELMER 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 | 154,137,000 | 158,175,000 | 165,774,000 | 168,519,000 |
| Total loans | 121,679,000 | 127,209,000 | 131,805,000 | 134,273,000 |
| Allowance for loan losses | 1,231,000 | 1,323,000 | 1,390,000 | 1,406,000 |
| Securities available for sale | 7,551,000 | 6,358,000 | 7,930,000 | 9,853,000 |
| Securities held to maturity | 16,491,000 | 14,631,000 | 12,250,000 | 10,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,007,000 | 141,050,000 | 149,219,000 | 151,689,000 |
| Interest-bearing deposits | 107,864,000 | 110,420,000 | 119,629,000 | 122,055,000 |
| Noninterest-bearing deposits | 28,143,000 | 30,630,000 | 29,590,000 | 29,634,000 |
| Equity capital | 16,786,000 | 15,578,000 | 16,078,000 | 15,918,000 |
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 | 2,612,000 | 5,326,000 | 8,098,000 | 10,904,000 |
| Interest expense | 770,000 | 1,552,000 | 2,328,000 | 3,060,000 |
| Net interest income | 1,842,000 | 3,774,000 | 5,770,000 | 7,844,000 |
| Noninterest income | 176,000 | 360,000 | 556,000 | 758,000 |
| Noninterest expense | 1,101,000 | 2,405,000 | 3,639,000 | 5,203,000 |
| Provision for loan losses | 66,000 | 159,000 | 249,000 | 279,000 |
| Pretax income | 851,000 | 1,570,000 | 2,438,000 | 3,120,000 |
| Income tax | 253,000 | 599,000 | 966,000 | 1,205,000 |
| Net income | 598,000 | 971,000 | 1,472,000 | 1,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,765,000 | 15,553,000 | 16,055,000 | 15,898,000 |
| Total capital | 17,996,000 | 16,876,000 | 17,445,000 | 17,304,000 |
| Risk-weighted assets | 115,555,000 | 119,149,000 | 122,204,000 | 126,018,000 |