Call reports 2002
FIRST NATIONAL BANK OF NASSAU COUNTY — 2002
What FIRST NATIONAL BANK OF NASSAU COUNTY 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 | 74,759,000 | 93,972,000 | 96,729,000 | 111,596,000 |
| Total loans | 53,475,000 | 74,481,000 | 78,264,000 | 91,863,000 |
| Allowance for loan losses | 445,000 | 532,000 | 648,000 | 765,000 |
| Securities available for sale | 11,737,000 | 11,420,000 | 10,791,000 | 9,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,321,000 | 65,741,000 | 74,845,000 | 77,572,000 |
| Interest-bearing deposits | 55,485,000 | 56,677,000 | 67,096,000 | 69,175,000 |
| Noninterest-bearing deposits | 6,836,000 | 9,064,000 | 7,749,000 | 8,397,000 |
| Equity capital | 7,965,000 | 8,427,000 | 9,987,000 | 10,725,000 |
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 | 1,114,000 | 2,390,000 | 3,878,000 | 5,512,000 |
| Interest expense | 420,000 | 836,000 | 1,349,000 | 1,872,000 |
| Net interest income | 694,000 | 1,554,000 | 2,529,000 | 3,640,000 |
| Noninterest income | 1,120,000 | 2,112,000 | 3,768,000 | 5,819,000 |
| Noninterest expense | 1,313,000 | 2,575,000 | 4,298,000 | 6,195,000 |
| Provision for loan losses | 28,000 | 115,000 | 231,000 | 364,000 |
| Pretax income | 473,000 | 976,000 | 1,830,000 | 2,962,000 |
| Income tax | 161,000 | 331,000 | 622,000 | 1,010,000 |
| Net income | 312,000 | 645,000 | 1,208,000 | 1,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,841,000 | 8,174,000 | 9,737,000 | 10,481,000 |
| Total capital | 8,286,000 | 8,706,000 | 10,385,000 | 11,246,000 |
| Risk-weighted assets | 51,863,000 | 64,237,000 | 67,751,000 | 77,688,000 |