Call reports 2002
ST. JOSEPH CAPITAL BANK — 2002
What ST. JOSEPH CAPITAL 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 | 214,009,000 | 250,601,000 | 246,553,000 | 253,994,000 |
| Total loans | 154,899,000 | 164,896,000 | 173,205,000 | 192,084,000 |
| Allowance for loan losses | 2,452,000 | 2,574,000 | 2,670,000 | 2,990,000 |
| Securities available for sale | 38,369,000 | 39,307,000 | 47,316,000 | 38,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,584,000 | 187,415,000 | 174,355,000 | 178,721,000 |
| Interest-bearing deposits | 134,323,000 | 148,888,000 | 143,204,000 | 147,698,000 |
| Noninterest-bearing deposits | 19,261,000 | 38,527,000 | 31,151,000 | 31,023,000 |
| Equity capital | 18,551,000 | 19,318,000 | 20,704,000 | 21,000,000 |
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 | 2,885,000 | 5,831,000 | 8,964,000 | 12,161,000 |
| Interest expense | 1,143,000 | 2,317,000 | 3,657,000 | 4,911,000 |
| Net interest income | 1,742,000 | 3,514,000 | 5,307,000 | 7,250,000 |
| Noninterest income | 114,000 | 223,000 | 331,000 | 463,000 |
| Noninterest expense | 1,156,000 | 2,319,000 | 3,417,000 | 4,629,000 |
| Provision for loan losses | 178,000 | 300,000 | 396,000 | 716,000 |
| Pretax income | 605,000 | 1,258,000 | 1,965,000 | 2,770,000 |
| Income tax | 213,000 | 452,000 | 718,000 | 1,017,000 |
| Net income | 392,000 | 806,000 | 1,247,000 | 1,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,565,000 | 18,979,000 | 19,920,000 | 20,427,000 |
| Total capital | 20,568,000 | 21,159,000 | 22,112,000 | 22,805,000 |
| Risk-weighted assets | 159,814,000 | 174,013,000 | 175,111,000 | 189,649,000 |