Call reports 2002
BANK OF LENAWEE — 2002
What BANK OF LENAWEE 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 | 238,069,000 | 239,431,000 | 242,392,000 | 233,261,000 |
| Total loans | 181,667,000 | 185,609,000 | 186,752,000 | 186,303,000 |
| Allowance for loan losses | 1,869,000 | 1,877,000 | 1,905,000 | 2,100,000 |
| Securities available for sale | 29,693,000 | 23,166,000 | 23,829,000 | 24,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,221,000 | 193,329,000 | 198,117,000 | 191,447,000 |
| Interest-bearing deposits | 153,502,000 | 146,955,000 | 146,948,000 | 147,414,000 |
| Noninterest-bearing deposits | 42,719,000 | 46,374,000 | 51,169,000 | 44,032,000 |
| Equity capital | 24,560,000 | 25,532,000 | 26,116,000 | 26,070,000 |
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 | 4,202,000 | 8,180,000 | 12,219,000 | 16,168,000 |
| Interest expense | 1,259,000 | 2,434,000 | 3,518,000 | 4,485,000 |
| Net interest income | 2,943,000 | 5,746,000 | 8,701,000 | 11,683,000 |
| Noninterest income | 1,430,000 | 2,316,000 | 3,946,000 | 5,902,000 |
| Noninterest expense | 2,720,000 | 5,231,000 | 8,272,000 | 11,619,000 |
| Provision for loan losses | 40,000 | 130,000 | 422,000 | 667,000 |
| Pretax income | 1,613,000 | 2,710,000 | 3,962,000 | 5,318,000 |
| Income tax | 487,000 | 812,000 | 1,207,000 | 1,608,000 |
| Net income | 1,126,000 | 1,898,000 | 2,755,000 | 3,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,434,000 | 25,207,000 | 25,763,000 | 25,719,000 |
| Total capital | 26,303,000 | 27,084,000 | 27,668,000 | 27,819,000 |
| Risk-weighted assets | 201,818,000 | 220,681,000 | 191,948,000 | 192,595,000 |