Call reports 2002
ARCOLA HOMESTEAD SAVINGS BANK — 2002
What ARCOLA HOMESTEAD SAVINGS 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 | 5,205,000 | 5,225,000 | 5,289,000 | 5,280,000 |
| Total loans | 2,029,000 | 1,962,000 | 1,854,000 | 1,745,000 |
| Allowance for loan losses | 26,000 | 26,000 | 25,000 | 25,000 |
| Securities available for sale | 2,827,000 | 2,865,000 | 3,079,000 | 2,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,393,000 | 4,344,000 | 4,383,000 | 4,383,000 |
| Interest-bearing deposits | 4,393,000 | 4,344,000 | 4,383,000 | 4,383,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 782,000 | 836,000 | 855,000 | 848,000 |
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 | 78,000 | 153,000 | 226,000 | 299,000 |
| Interest expense | 41,000 | 81,000 | 116,000 | 150,000 |
| Net interest income | 37,000 | 72,000 | 110,000 | 149,000 |
| Noninterest income | 4,000 | 30,000 | 33,000 | 10,000 |
| Noninterest expense | 28,000 | 55,000 | 82,000 | 116,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | -18,000 |
| Pretax income | 7,000 | 41,000 | 55,000 | 61,000 |
| Income tax | 2,000 | 8,000 | 10,000 | 12,000 |
| Net income | 5,000 | 33,000 | 45,000 | 49,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 756,000 | 784,000 | 796,000 | 799,000 |
| Total capital | 778,000 | 806,000 | 818,000 | 821,000 |
| Risk-weighted assets | 1,822,000 | 1,819,000 | 1,767,000 | 1,810,000 |