Call reports 2002
FIRST CREDIT BANK — 2002
What FIRST CREDIT 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 | 275,762,000 | 299,537,000 | 309,259,000 | 322,023,000 |
| Total loans | 204,296,000 | 213,334,000 | 225,999,000 | 242,251,000 |
| Allowance for loan losses | 5,224,000 | 5,314,000 | 5,404,000 | 5,494,000 |
| Securities available for sale | 2,838,000 | 2,902,000 | 6,867,000 | 28,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,741,000 | 249,219,000 | 257,830,000 | 270,911,000 |
| Interest-bearing deposits | 220,363,000 | 244,014,000 | 250,562,000 | 264,654,000 |
| Noninterest-bearing deposits | 5,378,000 | 5,205,000 | 7,268,000 | 6,257,000 |
| Equity capital | 45,826,000 | 45,885,000 | 46,517,000 | 48,404,000 |
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 | 4,190,000 | 8,213,000 | 12,791,000 | 17,686,000 |
| Interest expense | 1,855,000 | 3,794,000 | 5,745,000 | 7,580,000 |
| Net interest income | 2,335,000 | 4,419,000 | 7,046,000 | 10,106,000 |
| Noninterest income | 39,000 | 78,000 | 105,000 | 137,000 |
| Noninterest expense | 668,000 | 1,211,000 | 1,857,000 | 2,574,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,616,000 | 3,106,000 | 5,024,000 | 7,309,000 |
| Income tax | 73,000 | 144,000 | 387,000 | 381,000 |
| Net income | 1,543,000 | 2,962,000 | 4,637,000 | 6,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,754,000 | 45,777,000 | 46,467,000 | 48,074,000 |
| Total capital | 48,804,000 | 48,930,000 | 49,857,000 | 51,498,000 |
| Risk-weighted assets | 234,337,000 | 243,331,000 | 261,394,000 | 271,867,000 |