Call reports 2002
NORTHERN HANCOCK BANK & TRUST CO. — 2002
What NORTHERN HANCOCK BANK & TRUST CO. 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 | 19,384,000 | 20,587,000 | 20,992,000 | 22,462,000 |
| Total loans | 14,638,000 | 16,155,000 | 16,881,000 | 17,937,000 |
| Allowance for loan losses | 331,000 | 339,000 | 338,000 | 369,000 |
| Securities available for sale | 1,586,000 | 1,549,000 | 1,252,000 | 876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,480,000 | 17,611,000 | 17,897,000 | 19,282,000 |
| Interest-bearing deposits | 14,412,000 | 15,211,000 | 15,708,000 | 16,621,000 |
| Noninterest-bearing deposits | 2,068,000 | 2,400,000 | 2,189,000 | 2,661,000 |
| Equity capital | 2,799,000 | 2,829,000 | 2,909,000 | 2,913,000 |
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 | 460,000 | 911,000 | 1,393,000 | 1,885,000 |
| Interest expense | 142,000 | 281,000 | 422,000 | 556,000 |
| Net interest income | 318,000 | 630,000 | 971,000 | 1,329,000 |
| Noninterest income | 59,000 | 124,000 | 159,000 | 233,000 |
| Noninterest expense | 267,000 | 577,000 | 843,000 | 1,112,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 85,000 |
| Pretax income | 110,000 | 177,000 | 284,000 | 365,000 |
| Income tax | 20,000 | 53,000 | 86,000 | 161,000 |
| Net income | 90,000 | 124,000 | 198,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,798,000 | 2,829,000 | 2,909,000 | 2,912,000 |
| Total capital | 2,973,000 | 3,057,000 | 3,105,000 | 3,124,000 |
| Risk-weighted assets | 13,880,000 | 18,107,000 | 15,712,000 | 16,780,000 |