Call reports 2002
FIRST NATIONAL BANK OF ONAGA — 2002
What FIRST NATIONAL BANK OF ONAGA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Total assets | 155,418,000 | 163,676,000 | 175,267,000 |
| Total loans | 106,612,000 | 112,637,000 | 116,913,000 |
| Allowance for loan losses | 1,209,000 | 1,286,000 | 1,327,000 |
| Securities available for sale | 39,885,000 | 42,255,000 | 47,452,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 111,372,000 | 114,407,000 | 116,476,000 |
| Interest-bearing deposits | 95,605,000 | 95,976,000 | 98,464,000 |
| Noninterest-bearing deposits | 15,767,000 | 18,431,000 | 18,012,000 |
| Equity capital | 12,299,000 | 13,065,000 | 13,725,000 |
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 |
|---|---|---|---|
| Interest income | 2,130,000 | 4,294,000 | 6,523,000 |
| Interest expense | 959,000 | 1,835,000 | 2,679,000 |
| Net interest income | 1,171,000 | 2,459,000 | 3,844,000 |
| Noninterest income | 1,035,000 | 1,945,000 | 3,246,000 |
| Noninterest expense | 1,413,000 | 2,864,000 | 4,462,000 |
| Provision for loan losses | 74,000 | 151,000 | 227,000 |
| Pretax income | 720,000 | 1,448,000 | 2,470,000 |
| Income tax | 265,000 | 533,000 | 910,000 |
| Net income | 455,000 | 915,000 | 1,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Tier 1 capital | 12,148,000 | 12,370,000 | 12,921,000 |
| Total capital | 13,357,000 | 13,656,000 | 14,248,000 |
| Risk-weighted assets | 116,736,000 | 121,503,000 | 126,814,000 |