Call reports 2002
BANK OF SAINT ELIZABETH — 2002
What BANK OF SAINT ELIZABETH 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 | 43,651,000 | 43,462,000 | 44,059,000 | 44,564,000 |
| Total loans | 31,611,000 | 33,079,000 | 32,679,000 | 31,968,000 |
| Allowance for loan losses | 450,000 | 450,000 | 450,000 | 450,000 |
| Securities available for sale | 8,671,000 | 7,742,000 | 7,741,000 | 6,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,939,000 | 31,983,000 | 32,459,000 | 32,967,000 |
| Interest-bearing deposits | 28,707,000 | 28,031,000 | 28,412,000 | 28,618,000 |
| Noninterest-bearing deposits | 4,232,000 | 3,952,000 | 4,047,000 | 4,349,000 |
| Equity capital | 5,705,000 | 5,912,000 | 6,176,000 | 6,064,000 |
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 | 762,000 | 1,522,000 | 2,291,000 | 3,021,000 |
| Interest expense | 323,000 | 640,000 | 961,000 | 1,272,000 |
| Net interest income | 439,000 | 882,000 | 1,330,000 | 1,749,000 |
| Noninterest income | 45,000 | 83,000 | 128,000 | 179,000 |
| Noninterest expense | 219,000 | 450,000 | 685,000 | 1,126,000 |
| Provision for loan losses | -15,000 | -16,000 | 8,000 | 53,000 |
| Pretax income | 312,000 | 607,000 | 868,000 | 867,000 |
| Income tax | 103,000 | 211,000 | 207,000 | 315,000 |
| Net income | 209,000 | 396,000 | 661,000 | 552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,665,000 | 5,852,000 | 6,116,000 | 6,005,000 |
| Total capital | 6,019,000 | 6,204,000 | 6,468,000 | 6,381,000 |
| Risk-weighted assets | 28,249,000 | 28,119,000 | 28,019,000 | 30,008,000 |