Call reports 2002
SECOND NATIONAL BANK — 2002
What SECOND NATIONAL 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 | 317,084,000 | 321,687,000 | 329,738,000 | 332,768,000 |
| Total loans | 184,393,000 | 181,763,000 | 180,622,000 | 176,501,000 |
| Allowance for loan losses | 4,081,000 | 4,466,000 | 4,500,000 | 4,036,000 |
| Securities available for sale | 114,755,000 | 122,614,000 | 111,370,000 | 100,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 27,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,286,000 | 245,005,000 | 263,759,000 | 269,024,000 |
| Interest-bearing deposits | 213,054,000 | 217,523,000 | 200,416,000 | 236,457,000 |
| Noninterest-bearing deposits | 28,232,000 | 27,482,000 | 63,343,000 | 32,567,000 |
| Equity capital | 19,474,000 | 22,690,000 | 24,528,000 | 21,459,000 |
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 | 5,626,000 | 10,946,000 | 16,345,000 | 21,377,000 |
| Interest expense | 2,129,000 | 4,065,000 | 5,975,000 | 7,795,000 |
| Net interest income | 3,497,000 | 6,881,000 | 10,370,000 | 13,582,000 |
| Noninterest income | 377,000 | 662,000 | 1,171,000 | 1,984,000 |
| Noninterest expense | 1,774,000 | 3,552,000 | 5,397,000 | 7,383,000 |
| Provision for loan losses | 275,000 | 425,000 | 575,000 | 225,000 |
| Pretax income | 1,791,000 | 3,532,000 | 5,535,000 | 7,924,000 |
| Income tax | 502,000 | 989,000 | 1,568,000 | 2,300,000 |
| Net income | 1,289,000 | 2,543,000 | 3,967,000 | 5,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,393,000 | 20,683,000 | 22,154,000 | 18,861,000 |
| Total capital | 27,051,000 | 28,303,000 | 29,796,000 | 26,463,000 |
| Risk-weighted assets | 211,215,000 | 207,762,000 | 209,471,000 | 206,695,000 |