Call reports 2002
BANK OF ZUMBROTA — 2002
What BANK OF ZUMBROTA 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 | 93,962,000 | 97,971,000 | 99,960,000 | 109,546,000 |
| Total loans | 65,381,000 | 67,815,000 | 73,040,000 | 72,335,000 |
| Allowance for loan losses | 757,000 | 754,000 | 798,000 | 711,000 |
| Securities available for sale | 20,925,000 | 20,870,000 | 21,515,000 | 27,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,990,000 | 83,761,000 | 83,741,000 | 93,112,000 |
| Interest-bearing deposits | 70,663,000 | 72,704,000 | 73,417,000 | 81,415,000 |
| Noninterest-bearing deposits | 9,327,000 | 11,058,000 | 10,324,000 | 11,697,000 |
| Equity capital | 8,653,000 | 8,933,000 | 9,966,000 | 10,250,000 |
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 | 1,584,000 | 3,162,000 | 4,798,000 | 6,481,000 |
| Interest expense | 746,000 | 1,457,000 | 2,158,000 | 2,861,000 |
| Net interest income | 838,000 | 1,705,000 | 2,640,000 | 3,620,000 |
| Noninterest income | 138,000 | 281,000 | 442,000 | 658,000 |
| Noninterest expense | 596,000 | 1,193,000 | 1,810,000 | 2,430,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 380,000 | 793,000 | 1,247,000 | 1,823,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 380,000 | 793,000 | 1,247,000 | 1,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,574,000 | 8,763,000 | 9,104,000 | 9,568,000 |
| Total capital | 9,331,000 | 9,517,000 | 9,902,000 | 10,279,000 |
| Risk-weighted assets | 69,448,000 | 72,007,000 | 76,971,000 | 79,047,000 |