Call reports 2002
BSB BANK & TRUST COMPANY — 2002
What BSB BANK & TRUST COMPANY 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 | 2,056,100,000 | 2,057,665,000 | 2,064,747,000 | 2,034,039,000 |
| Total loans | 1,381,851,000 | 1,321,373,000 | 1,315,882,000 | 1,353,385,000 |
| Allowance for loan losses | 52,785,000 | 56,988,000 | 59,754,000 | 63,249,000 |
| Securities available for sale | 564,311,000 | 636,415,000 | 637,822,000 | 537,908,000 |
| Securities held to maturity | 12,482,000 | 13,307,000 | 34,346,000 | 55,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,535,333,000 | 1,532,441,000 | 1,487,718,000 | 1,481,460,000 |
| Interest-bearing deposits | 1,391,448,000 | 1,367,578,000 | 1,319,274,000 | 1,288,115,000 |
| Noninterest-bearing deposits | 143,885,000 | 164,863,000 | 168,444,000 | 193,345,000 |
| Equity capital | 181,267,000 | 177,633,000 | 185,273,000 | 158,935,000 |
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 | 34,025,000 | 66,895,000 | 98,406,000 | 129,483,000 |
| Interest expense | 12,844,000 | 25,423,000 | 37,360,000 | 48,490,000 |
| Net interest income | 21,181,000 | 41,472,000 | 61,046,000 | 80,993,000 |
| Noninterest income | 4,436,000 | 7,728,000 | 10,733,000 | 17,043,000 |
| Noninterest expense | 11,605,000 | 24,758,000 | 35,722,000 | 47,539,000 |
| Provision for loan losses | 5,200,000 | 31,920,000 | 36,420,000 | 46,170,000 |
| Pretax income | 8,893,000 | -7,303,000 | -93,000 | 4,619,000 |
| Income tax | 3,007,000 | -3,051,000 | -733,000 | -254,000 |
| Net income | 5,886,000 | -4,252,000 | 640,000 | 4,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 179,920,000 | 169,821,000 | 174,807,000 | 149,723,000 |
| Total capital | 198,158,000 | 187,590,000 | 192,671,000 | 167,921,000 |
| Risk-weighted assets | 1,424,474,000 | 1,382,295,000 | 1,387,272,000 | 1,410,783,000 |