Call reports 2002
ALMENA STATE BANK — 2002
What ALMENA 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 | 15,213,000 | 13,934,000 | 13,586,000 | 13,145,000 |
| Total loans | 11,573,000 | 11,733,000 | 11,067,000 | 11,069,000 |
| Allowance for loan losses | 186,000 | 148,000 | 150,000 | 150,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 892,000 | 717,000 | 715,000 | 633,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,061,000 | 12,769,000 | 12,440,000 | 12,010,000 |
| Interest-bearing deposits | 12,402,000 | 11,264,000 | 10,977,000 | 10,467,000 |
| Noninterest-bearing deposits | 1,660,000 | 1,505,000 | 1,462,000 | 1,543,000 |
| Equity capital | 1,081,000 | 1,077,000 | 1,082,000 | 1,093,000 |
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 | 304,000 | 583,000 | 846,000 | 1,105,000 |
| Interest expense | 96,000 | 180,000 | 254,000 | 316,000 |
| Net interest income | 208,000 | 403,000 | 592,000 | 789,000 |
| Noninterest income | 35,000 | 64,000 | 109,000 | 157,000 |
| Noninterest expense | 211,000 | 405,000 | 614,000 | 851,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 20,000 |
| Pretax income | 32,000 | 62,000 | 67,000 | 75,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 32,000 | 62,000 | 67,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,060,000 | 1,056,000 | 1,061,000 | 1,072,000 |
| Total capital | 1,203,000 | 1,200,000 | 1,198,000 | 1,207,000 |
| Risk-weighted assets | 11,423,000 | 11,543,000 | 10,958,000 | 10,821,000 |