Call reports 2002
KODABANK — 2002
What KODABANK 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 | 33,184,000 | 34,065,000 | 35,357,000 | 34,878,000 |
| Total loans | 22,131,000 | 23,967,000 | 25,314,000 | 24,331,000 |
| Allowance for loan losses | 652,000 | 658,000 | 664,000 | 678,000 |
| Securities available for sale | 6,275,000 | 6,110,000 | 5,419,000 | 5,132,000 |
| Securities held to maturity | 690,000 | 785,000 | 800,000 | 785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,829,000 | 28,801,000 | 28,712,000 | 30,481,000 |
| Interest-bearing deposits | 25,918,000 | 25,575,000 | 26,140,000 | 27,154,000 |
| Noninterest-bearing deposits | 2,911,000 | 3,226,000 | 2,572,000 | 3,327,000 |
| Equity capital | 3,941,000 | 3,991,000 | 4,107,000 | 3,912,000 |
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 | 604,000 | 1,195,000 | 1,819,000 | 2,393,000 |
| Interest expense | 239,000 | 452,000 | 664,000 | 864,000 |
| Net interest income | 365,000 | 743,000 | 1,155,000 | 1,529,000 |
| Noninterest income | 89,000 | 127,000 | 177,000 | 216,000 |
| Noninterest expense | 188,000 | 356,000 | 525,000 | 707,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 254,000 | 490,000 | 771,000 | 990,000 |
| Income tax | 93,000 | 176,000 | 279,000 | 357,000 |
| Net income | 161,000 | 314,000 | 492,000 | 633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,909,000 | 3,927,000 | 4,025,000 | 3,835,000 |
| Total capital | 4,156,000 | 4,194,000 | 4,309,000 | 4,114,000 |
| Risk-weighted assets | 19,347,000 | 20,980,000 | 22,355,000 | 21,886,000 |