Call reports 2002
SMALL TOWN BANK — 2002
What SMALL TOWN 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 | 70,793,000 | 75,618,000 | 82,778,000 | 88,486,000 |
| Total loans | 49,700,000 | 52,211,000 | 55,566,000 | 58,465,000 |
| Allowance for loan losses | 521,000 | 534,000 | 572,000 | 614,000 |
| Securities available for sale | 18,215,000 | 18,574,000 | 20,156,000 | 20,379,000 |
| Securities held to maturity | 0 | 0 | 2,476,000 | 3,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,698,000 | 60,827,000 | 63,150,000 | 67,270,000 |
| Interest-bearing deposits | 53,270,000 | 56,507,000 | 58,368,000 | 64,004,000 |
| Noninterest-bearing deposits | 3,428,000 | 4,320,000 | 4,782,000 | 3,266,000 |
| Equity capital | 6,612,000 | 7,317,000 | 7,972,000 | 8,292,000 |
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 | 1,457,000 | 2,978,000 | 4,675,000 | 6,368,000 |
| Interest expense | 671,000 | 1,326,000 | 2,021,000 | 2,747,000 |
| Net interest income | 786,000 | 1,652,000 | 2,654,000 | 3,621,000 |
| Noninterest income | 92,000 | 177,000 | 268,000 | 398,000 |
| Noninterest expense | 324,000 | 645,000 | 995,000 | 1,368,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 210,000 |
| Pretax income | 509,000 | 1,094,000 | 1,804,000 | 2,453,000 |
| Income tax | 162,000 | 341,000 | 549,000 | 708,000 |
| Net income | 347,000 | 753,000 | 1,255,000 | 1,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,681,000 | 7,089,000 | 7,435,000 | 7,924,000 |
| Total capital | 7,202,000 | 7,623,000 | 8,007,000 | 8,538,000 |
| Risk-weighted assets | 50,329,000 | 52,687,000 | 57,267,000 | 63,452,000 |