Call reports 2002
PATTERSON STATE BANK — 2002
What PATTERSON STATE 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 | 100,777,000 | 104,366,000 | 106,518,000 | 111,119,000 |
| Total loans | 60,366,000 | 63,401,000 | 66,809,000 | 71,736,000 |
| Allowance for loan losses | 1,063,000 | 1,126,000 | 1,148,000 | 1,170,000 |
| Securities available for sale | 24,483,000 | 28,306,000 | 28,345,000 | 22,309,000 |
| Securities held to maturity | 624,000 | 624,000 | 598,000 | 564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,497,000 | 82,982,000 | 84,950,000 | 89,923,000 |
| Interest-bearing deposits | 66,136,000 | 69,882,000 | 72,556,000 | 75,043,000 |
| Noninterest-bearing deposits | 13,361,000 | 13,100,000 | 12,394,000 | 14,880,000 |
| Equity capital | 7,425,000 | 7,881,000 | 8,229,000 | 8,186,000 |
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 | 1,551,000 | 3,179,000 | 4,880,000 | 6,567,000 |
| Interest expense | 622,000 | 1,240,000 | 1,901,000 | 2,537,000 |
| Net interest income | 929,000 | 1,939,000 | 2,979,000 | 4,030,000 |
| Noninterest income | 230,000 | 484,000 | 738,000 | 1,027,000 |
| Noninterest expense | 734,000 | 1,503,000 | 2,290,000 | 3,530,000 |
| Provision for loan losses | 75,000 | 150,000 | 195,000 | 240,000 |
| Pretax income | 350,000 | 772,000 | 1,234,000 | 1,372,000 |
| Income tax | 114,000 | 255,000 | 405,000 | 470,000 |
| Net income | 236,000 | 517,000 | 829,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,265,000 | 7,548,000 | 7,857,000 | 7,930,000 |
| Total capital | 7,949,000 | 8,270,000 | 8,614,000 | 8,746,000 |
| Risk-weighted assets | 54,369,000 | 57,387,000 | 60,146,000 | 64,896,000 |