Call reports 2002
CHESTATEE STATE BANK — 2002
What CHESTATEE 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 | 149,662,000 | 168,056,000 | 177,441,000 | 175,316,000 |
| Total loans | 123,439,000 | 135,755,000 | 140,397,000 | 142,411,000 |
| Allowance for loan losses | 1,387,000 | 1,507,000 | 1,648,000 | 2,126,000 |
| Securities available for sale | 9,476,000 | 10,049,000 | 14,605,000 | 14,569,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,150,000 | 135,757,000 | 144,389,000 | 144,647,000 |
| Interest-bearing deposits | 109,612,000 | 121,149,000 | 129,290,000 | 130,446,000 |
| Noninterest-bearing deposits | 11,538,000 | 14,607,000 | 15,099,000 | 14,201,000 |
| Equity capital | 15,288,000 | 18,998,000 | 19,283,000 | 19,313,000 |
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 | 2,381,000 | 4,958,000 | 7,807,000 | 10,637,000 |
| Interest expense | 1,141,000 | 2,173,000 | 3,365,000 | 4,456,000 |
| Net interest income | 1,240,000 | 2,785,000 | 4,442,000 | 6,181,000 |
| Noninterest income | 149,000 | 307,000 | 523,000 | 739,000 |
| Noninterest expense | 1,240,000 | 2,517,000 | 3,850,000 | 5,284,000 |
| Provision for loan losses | 134,000 | 340,000 | 493,000 | 1,020,000 |
| Pretax income | 15,000 | 235,000 | 622,000 | 616,000 |
| Income tax | 0 | 97,000 | 236,000 | 178,000 |
| Net income | 15,000 | 138,000 | 386,000 | 438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,331,000 | 18,954,000 | 19,202,000 | 19,253,000 |
| Total capital | 16,718,000 | 20,461,000 | 20,850,000 | 21,132,000 |
| Risk-weighted assets | 127,084,000 | 141,050,000 | 141,560,000 | 150,099,000 |