Call reports 2002
STEBBINS NATIONAL BANK — 2002
What STEBBINS 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 | 28,112,000 | 28,893,000 | 28,620,000 | 28,959,000 |
| Total loans | 15,082,000 | 14,538,000 | 14,587,000 | 14,170,000 |
| Allowance for loan losses | 378,000 | 400,000 | 388,000 | 348,000 |
| Securities available for sale | 6,592,000 | 6,572,000 | 7,120,000 | 7,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,771,000 | 25,468,000 | 25,198,000 | 25,733,000 |
| Interest-bearing deposits | 20,982,000 | 21,603,000 | 21,462,000 | 21,299,000 |
| Noninterest-bearing deposits | 3,789,000 | 3,865,000 | 3,736,000 | 4,434,000 |
| Equity capital | 3,309,000 | 3,398,000 | 3,393,000 | 3,204,000 |
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 | 390,000 | 802,000 | 1,172,000 | 1,523,000 |
| Interest expense | 108,000 | 212,000 | 310,000 | 399,000 |
| Net interest income | 282,000 | 590,000 | 862,000 | 1,124,000 |
| Noninterest income | 29,000 | 56,000 | 84,000 | 119,000 |
| Noninterest expense | 444,000 | 672,000 | 974,000 | 1,111,000 |
| Provision for loan losses | 20,000 | 40,000 | 60,000 | 110,000 |
| Pretax income | -153,000 | -66,000 | -88,000 | 22,000 |
| Income tax | -54,000 | -29,000 | -24,000 | -48,000 |
| Net income | -99,000 | -37,000 | -64,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,267,000 | 3,329,000 | 3,302,000 | 3,119,000 |
| Total capital | 3,484,000 | 3,539,000 | 3,510,000 | 3,325,000 |
| Risk-weighted assets | 17,169,000 | 16,611,000 | 16,435,000 | 16,138,000 |