Call reports 2002
SCHWERTNER STATE BANK — 2002
What SCHWERTNER STATE 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 | 20,905,000 | 19,763,000 | 19,153,000 | 19,416,000 |
| Total loans | 10,012,000 | 9,045,000 | 8,530,000 | 8,188,000 |
| Allowance for loan losses | 13,000 | 111,000 | 114,000 | 117,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,097,000 | 16,996,000 | 16,323,000 | 16,642,000 |
| Interest-bearing deposits | 14,878,000 | 13,812,000 | 12,793,000 | 13,235,000 |
| Noninterest-bearing deposits | 3,219,000 | 3,184,000 | 3,530,000 | 3,407,000 |
| Equity capital | 2,699,000 | 2,657,000 | 2,698,000 | 2,706,000 |
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 | 269,000 | 518,000 | 751,000 | 957,000 |
| Interest expense | 106,000 | 195,000 | 278,000 | 354,000 |
| Net interest income | 163,000 | 323,000 | 473,000 | 603,000 |
| Noninterest income | 22,000 | 66,000 | 100,000 | 124,000 |
| Noninterest expense | 145,000 | 274,000 | 404,000 | 558,000 |
| Provision for loan losses | 6,000 | 110,000 | 113,000 | 116,000 |
| Pretax income | 34,000 | 5,000 | 56,000 | 53,000 |
| Income tax | 9,000 | 22,000 | 32,000 | 21,000 |
| Net income | 25,000 | -17,000 | 24,000 | 32,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,699,000 | 2,657,000 | 2,698,000 | 2,706,000 |
| Total capital | 2,712,000 | 2,768,000 | 2,812,000 | 2,823,000 |
| Risk-weighted assets | 20,782,000 | 19,776,000 | 19,225,000 | 19,376,000 |