Call reports 2002
FIRST CITY BANK — 2002
What FIRST CITY 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 | 47,707,000 | 47,877,000 | 53,108,000 | 52,768,000 |
| Total loans | 34,458,000 | 34,049,000 | 34,770,000 | 36,292,000 |
| Allowance for loan losses | 409,000 | 380,000 | 415,000 | 398,000 |
| Securities available for sale | 5,010,000 | 4,615,000 | 11,440,000 | 10,678,000 |
| Securities held to maturity | 135,000 | 133,000 | 131,000 | 132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,223,000 | 44,396,000 | 44,915,000 | 43,932,000 |
| Interest-bearing deposits | 41,211,000 | 43,162,000 | 43,500,000 | 41,593,000 |
| Noninterest-bearing deposits | 3,012,000 | 1,234,000 | 1,415,000 | 2,339,000 |
| Equity capital | 3,148,000 | 3,189,000 | 3,482,000 | 3,591,000 |
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 | 754,000 | 1,494,000 | 2,291,000 | 3,080,000 |
| Interest expense | 248,000 | 517,000 | 837,000 | 1,143,000 |
| Net interest income | 506,000 | 977,000 | 1,454,000 | 1,937,000 |
| Noninterest income | 24,000 | 37,000 | 48,000 | 72,000 |
| Noninterest expense | 369,000 | 718,000 | 1,071,000 | 1,409,000 |
| Provision for loan losses | 45,000 | 105,000 | 155,000 | 171,000 |
| Pretax income | 116,000 | 191,000 | 276,000 | 429,000 |
| Income tax | 42,000 | 68,000 | 98,000 | 152,000 |
| Net income | 74,000 | 123,000 | 178,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,138,000 | 3,182,000 | 3,475,000 | 3,565,000 |
| Total capital | 3,572,000 | 3,616,000 | 4,322,000 | 4,428,000 |
| Risk-weighted assets | 26,610,000 | 26,652,000 | 27,671,000 | 28,979,000 |