Call reports 2002
FRANCES SLOCUM BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2002
What FRANCES SLOCUM BANK AND TRUST COMPANY, NATIONAL ASSOCIATION 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 | 181,745,000 | 186,645,000 | 186,713,000 | 179,408,000 |
| Total loans | 140,759,000 | 146,250,000 | 149,847,000 | 143,123,000 |
| Allowance for loan losses | 2,249,000 | 2,350,000 | 2,047,000 | 2,503,000 |
| Securities available for sale | 6,200,000 | 13,440,000 | 12,477,000 | 12,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,379,000 | 141,998,000 | 150,609,000 | 145,241,000 |
| Interest-bearing deposits | 130,170,000 | 118,485,000 | 129,493,000 | 122,767,000 |
| Noninterest-bearing deposits | 24,209,000 | 23,513,000 | 21,115,000 | 22,474,000 |
| Equity capital | 24,621,000 | 26,027,000 | 26,656,000 | 27,083,000 |
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 | 2,853,000 | 5,643,000 | 8,552,000 | 11,204,000 |
| Interest expense | 877,000 | 1,759,000 | 2,606,000 | 3,471,000 |
| Net interest income | 1,976,000 | 3,884,000 | 5,946,000 | 7,733,000 |
| Noninterest income | 212,000 | 469,000 | 712,000 | 931,000 |
| Noninterest expense | 1,391,000 | 2,544,000 | 3,805,000 | 5,179,000 |
| Provision for loan losses | 135,000 | 285,000 | 485,000 | 1,910,000 |
| Pretax income | 662,000 | 1,524,000 | 2,368,000 | 1,575,000 |
| Income tax | 259,000 | 566,000 | 865,000 | 511,000 |
| Net income | 403,000 | 958,000 | 1,503,000 | 1,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,023,000 | 13,469,000 | 14,013,000 | 14,510,000 |
| Total capital | 13,671,000 | 15,197,000 | 15,849,000 | 16,259,000 |
| Risk-weighted assets | 131,243,000 | 137,593,000 | 146,636,000 | 139,148,000 |