Call reports 2002
S&C BANK — 2002
What S&C 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 | 311,055,000 | 305,614,000 | 307,527,000 | 327,359,000 |
| Total loans | 196,403,000 | 198,505,000 | 203,575,000 | 232,589,000 |
| Allowance for loan losses | 4,391,000 | 4,477,000 | 4,568,000 | 4,638,000 |
| Securities available for sale | 83,232,000 | 81,924,000 | 74,452,000 | 58,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,623,000 | 261,216,000 | 261,742,000 | 271,078,000 |
| Interest-bearing deposits | 228,750,000 | 223,178,000 | 220,491,000 | 222,638,000 |
| Noninterest-bearing deposits | 37,873,000 | 38,038,000 | 41,251,000 | 48,440,000 |
| Equity capital | 30,763,000 | 31,725,000 | 32,935,000 | 33,177,000 |
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 | 5,060,000 | 10,220,000 | 15,288,000 | 20,307,000 |
| Interest expense | 1,942,000 | 3,762,000 | 5,465,000 | 7,003,000 |
| Net interest income | 3,118,000 | 6,458,000 | 9,823,000 | 13,304,000 |
| Noninterest income | 886,000 | 1,782,000 | 2,953,000 | 4,406,000 |
| Noninterest expense | 2,561,000 | 5,264,000 | 8,231,000 | 11,404,000 |
| Provision for loan losses | 91,000 | 182,000 | 273,000 | 364,000 |
| Pretax income | 1,352,000 | 2,826,000 | 4,363,000 | 6,084,000 |
| Income tax | 358,000 | 756,000 | 1,187,000 | 1,712,000 |
| Net income | 994,000 | 2,070,000 | 3,176,000 | 4,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,309,000 | 28,784,000 | 29,890,000 | 27,588,000 |
| Total capital | 31,247,000 | 31,706,000 | 32,837,000 | 30,828,000 |
| Risk-weighted assets | 232,764,000 | 232,181,000 | 234,127,000 | 257,823,000 |