Call reports 2002
EMBRY BANK — 2002
What EMBRY 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 |
|---|---|---|---|
| Total assets | 109,331,000 | 111,101,000 | 118,525,000 |
| Total loans | 65,676,000 | 70,765,000 | 75,694,000 |
| Allowance for loan losses | 1,683,000 | 1,685,000 | 1,680,000 |
| Securities available for sale | 3,673,000 | 3,808,000 | 12,221,000 |
| Securities held to maturity | 20,918,000 | 16,787,000 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 99,591,000 | 101,396,000 | 108,121,000 |
| Interest-bearing deposits | 80,276,000 | 83,159,000 | 90,151,000 |
| Noninterest-bearing deposits | 19,315,000 | 18,237,000 | 17,970,000 |
| Equity capital | 8,917,000 | 9,133,000 | 9,863,000 |
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 |
|---|---|---|---|
| Interest income | 1,507,000 | 3,081,000 | 4,649,000 |
| Interest expense | 478,000 | 932,000 | 1,399,000 |
| Net interest income | 1,029,000 | 2,149,000 | 3,250,000 |
| Noninterest income | 18,000 | 137,000 | 253,000 |
| Noninterest expense | 1,009,000 | 2,107,000 | 3,405,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 38,000 | 179,000 | 290,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 38,000 | 179,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Tier 1 capital | 8,989,000 | 9,060,000 | 9,550,000 |
| Total capital | 10,157,000 | 10,266,000 | 10,778,000 |
| Risk-weighted assets | 92,923,000 | 95,691,000 | 101,286,000 |