Call reports 2002
CLARKE COUNTY STATE BANK — 2002
What CLARKE COUNTY 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 | 109,983,000 | 106,068,000 | 104,460,000 | 107,389,000 |
| Total loans | 77,051,000 | 76,949,000 | 77,579,000 | 78,084,000 |
| Allowance for loan losses | 1,145,000 | 1,137,000 | 1,183,000 | 1,013,000 |
| Securities available for sale | 19,217,000 | 17,824,000 | 15,531,000 | 17,182,000 |
| Securities held to maturity | 4,608,000 | 4,438,000 | 4,407,000 | 4,385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,072,000 | 91,867,000 | 89,142,000 | 89,315,000 |
| Interest-bearing deposits | 92,160,000 | 88,765,000 | 85,621,000 | 86,055,000 |
| Noninterest-bearing deposits | 2,912,000 | 3,102,000 | 3,521,000 | 3,260,000 |
| Equity capital | 7,632,000 | 7,969,000 | 8,071,000 | 7,835,000 |
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 | 1,591,000 | 3,144,000 | 4,668,000 | 6,097,000 |
| Interest expense | 785,000 | 1,539,000 | 2,205,000 | 2,828,000 |
| Net interest income | 806,000 | 1,605,000 | 2,463,000 | 3,269,000 |
| Noninterest income | 105,000 | 236,000 | 351,000 | 482,000 |
| Noninterest expense | 881,000 | 1,680,000 | 2,476,000 | 3,062,000 |
| Provision for loan losses | 250,000 | 285,000 | 345,000 | 895,000 |
| Pretax income | -220,000 | -124,000 | -7,000 | -206,000 |
| Income tax | -76,000 | -220,000 | -228,000 | -350,000 |
| Net income | -144,000 | 96,000 | 221,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,611,000 | 7,851,000 | 7,889,000 | 7,689,000 |
| Total capital | 8,592,000 | 8,800,000 | 8,827,000 | 8,687,000 |
| Risk-weighted assets | 78,352,000 | 75,732,000 | 74,805,000 | 79,837,000 |