Call reports 2002
BIPPUS STATE BANK, THE — 2002
What BIPPUS STATE BANK, THE 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 | 76,390,000 | 78,050,000 | 81,611,000 | 88,389,000 |
| Total loans | 46,339,000 | 47,355,000 | 47,692,000 | 47,778,000 |
| Allowance for loan losses | 442,000 | 447,000 | 434,000 | 460,000 |
| Securities available for sale | 23,306,000 | 20,954,000 | 24,081,000 | 28,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,065,000 | 60,125,000 | 63,107,000 | 65,769,000 |
| Interest-bearing deposits | 55,850,000 | 55,795,000 | 57,585,000 | 59,128,000 |
| Noninterest-bearing deposits | 4,215,000 | 4,330,000 | 5,523,000 | 6,641,000 |
| Equity capital | 6,362,000 | 6,645,000 | 6,940,000 | 6,936,000 |
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 | 1,151,000 | 2,280,000 | 3,382,000 | 4,475,000 |
| Interest expense | 537,000 | 1,055,000 | 1,567,000 | 2,065,000 |
| Net interest income | 614,000 | 1,225,000 | 1,815,000 | 2,410,000 |
| Noninterest income | 147,000 | 264,000 | 409,000 | 548,000 |
| Noninterest expense | 556,000 | 1,125,000 | 1,677,000 | 2,269,000 |
| Provision for loan losses | 14,000 | 27,000 | 45,000 | 64,000 |
| Pretax income | 201,000 | 400,000 | 565,000 | 707,000 |
| Income tax | 41,000 | 92,000 | 129,000 | 160,000 |
| Net income | 160,000 | 308,000 | 436,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,291,000 | 6,421,000 | 6,531,000 | 6,623,000 |
| Total capital | 6,733,000 | 6,868,000 | 6,965,000 | 7,083,000 |
| Risk-weighted assets | 50,430,000 | 51,946,000 | 53,292,000 | 55,624,000 |