Call reports 2002
BENCHMARK COMMUNITY BANK — 2002
What BENCHMARK COMMUNITY 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 | 238,855,000 | 242,258,000 | 243,768,000 | 261,319,000 |
| Total loans | 184,377,000 | 190,817,000 | 191,157,000 | 198,238,000 |
| Allowance for loan losses | 1,845,000 | 1,908,000 | 1,911,000 | 1,983,000 |
| Securities available for sale | 34,369,000 | 29,551,000 | 28,911,000 | 26,772,000 |
| Securities held to maturity | 1,013,000 | 513,000 | 512,000 | 512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,385,000 | 214,904,000 | 218,826,000 | 236,544,000 |
| Interest-bearing deposits | 188,470,000 | 188,100,000 | 175,235,000 | 210,171,000 |
| Noninterest-bearing deposits | 27,915,000 | 26,804,000 | 43,591,000 | 26,373,000 |
| Equity capital | 20,815,000 | 22,246,000 | 23,557,000 | 23,418,000 |
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 | 4,200,000 | 8,501,000 | 12,779,000 | 17,088,000 |
| Interest expense | 1,942,000 | 3,714,000 | 5,455,000 | 7,200,000 |
| Net interest income | 2,258,000 | 4,787,000 | 7,324,000 | 9,888,000 |
| Noninterest income | 214,000 | 509,000 | 956,000 | 1,350,000 |
| Noninterest expense | 1,301,000 | 2,815,000 | 4,439,000 | 6,064,000 |
| Provision for loan losses | 186,000 | 278,000 | 302,000 | 419,000 |
| Pretax income | 985,000 | 2,212,000 | 3,548,000 | 4,764,000 |
| Income tax | 279,000 | 637,000 | 1,033,000 | 1,340,000 |
| Net income | 706,000 | 1,575,000 | 2,515,000 | 3,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,398,000 | 21,603,000 | 22,723,000 | 22,539,000 |
| Total capital | 22,230,000 | 23,511,000 | 24,634,000 | 24,522,000 |
| Risk-weighted assets | 168,273,000 | 176,441,000 | 177,289,000 | 185,046,000 |