Call reports 2002
FIRST NATIONAL BANK & TRUST, ELK CITY, OKLAHOMA — 2002
What FIRST NATIONAL BANK & TRUST, ELK CITY, OKLAHOMA 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 | 149,009,000 | 151,276,000 | 155,638,000 | 159,852,000 |
| Total loans | 81,813,000 | 86,839,000 | 89,771,000 | 98,335,000 |
| Allowance for loan losses | 600,000 | 625,000 | 650,000 | 675,000 |
| Securities available for sale | 59,187,000 | 55,948,000 | 54,133,000 | 47,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,309,000 | 126,050,000 | 128,927,000 | 132,939,000 |
| Interest-bearing deposits | 118,301,000 | 118,869,000 | 122,802,000 | 126,131,000 |
| Noninterest-bearing deposits | 6,008,000 | 7,181,000 | 6,125,000 | 6,808,000 |
| Equity capital | 16,444,000 | 16,772,000 | 17,310,000 | 17,528,000 |
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 | 2,172,000 | 4,420,000 | 6,633,000 | 8,838,000 |
| Interest expense | 984,000 | 1,907,000 | 2,825,000 | 3,688,000 |
| Net interest income | 1,188,000 | 2,513,000 | 3,808,000 | 5,150,000 |
| Noninterest income | 313,000 | 610,000 | 921,000 | 1,225,000 |
| Noninterest expense | 845,000 | 1,778,000 | 2,694,000 | 3,643,000 |
| Provision for loan losses | 38,000 | 12,000 | 86,000 | 295,000 |
| Pretax income | 618,000 | 1,370,000 | 2,037,000 | 2,525,000 |
| Income tax | -29,000 | -30,000 | -30,000 | -71,000 |
| Net income | 647,000 | 1,400,000 | 2,067,000 | 2,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,231,000 | 14,998,000 | 15,087,000 | 15,626,000 |
| Total capital | 15,831,000 | 15,623,000 | 15,737,000 | 16,301,000 |
| Risk-weighted assets | 86,136,000 | 90,846,000 | 93,684,000 | 101,013,000 |