Call reports 2002
CITY STATE BANK OF PALACIOS, THE — 2002
What CITY STATE BANK OF PALACIOS, THE 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 | 42,114,000 | 42,212,000 | 43,847,000 | 46,632,000 |
| Total loans | 27,800,000 | 31,247,000 | 30,190,000 | 27,291,000 |
| Allowance for loan losses | 311,000 | 275,000 | 515,000 | 488,000 |
| Securities available for sale | 6,612,000 | 7,516,000 | 7,482,000 | 8,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,675,000 | 36,932,000 | 39,547,000 | 41,929,000 |
| Interest-bearing deposits | 29,164,000 | 28,706,000 | 29,520,000 | 32,101,000 |
| Noninterest-bearing deposits | 8,511,000 | 8,226,000 | 10,027,000 | 9,828,000 |
| Equity capital | 4,133,000 | 4,172,000 | 3,908,000 | 4,051,000 |
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 | 600,000 | 1,225,000 | 1,856,000 | 2,427,000 |
| Interest expense | 223,000 | 421,000 | 608,000 | 794,000 |
| Net interest income | 377,000 | 804,000 | 1,248,000 | 1,633,000 |
| Noninterest income | 105,000 | 207,000 | 313,000 | 422,000 |
| Noninterest expense | 445,000 | 882,000 | 1,326,000 | 1,690,000 |
| Provision for loan losses | 1,000 | 12,000 | 425,000 | 450,000 |
| Pretax income | 36,000 | 117,000 | -190,000 | -76,000 |
| Income tax | 16,000 | 42,000 | 22,000 | -20,000 |
| Net income | 20,000 | 75,000 | -212,000 | -56,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,136,000 | 4,172,000 | 3,885,000 | 4,041,000 |
| Total capital | 4,415,000 | 4,443,000 | 4,181,000 | 4,327,000 |
| Risk-weighted assets | 22,743,000 | 23,594,000 | 23,459,000 | 22,943,000 |