Call reports 2002
LORRAINE STATE BANK — 2002
What LORRAINE STATE 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 | 11,735,000 | 11,716,000 | 11,683,000 | 11,891,000 |
| Total loans | 7,174,000 | 7,367,000 | 7,323,000 | 7,234,000 |
| Allowance for loan losses | 99,000 | 105,000 | 105,000 | 89,000 |
| Securities available for sale | 2,706,000 | 2,481,000 | 2,202,000 | 2,564,000 |
| Securities held to maturity | 751,000 | 752,000 | 743,000 | 847,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,191,000 | 10,103,000 | 10,131,000 | 10,310,000 |
| Interest-bearing deposits | 8,977,000 | 8,747,000 | 9,023,000 | 9,221,000 |
| Noninterest-bearing deposits | 1,214,000 | 1,356,000 | 1,108,000 | 1,089,000 |
| Equity capital | 1,471,000 | 1,521,000 | 1,445,000 | 1,487,000 |
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 | 187,000 | 376,000 | 562,000 | 744,000 |
| Interest expense | 62,000 | 121,000 | 173,000 | 226,000 |
| Net interest income | 125,000 | 255,000 | 389,000 | 518,000 |
| Noninterest income | 10,000 | 17,000 | 24,000 | 30,000 |
| Noninterest expense | 72,000 | 159,000 | 251,000 | 363,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 63,000 | 113,000 | 152,000 | 175,000 |
| Income tax | 20,000 | 42,000 | 58,000 | 43,000 |
| Net income | 43,000 | 71,000 | 94,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,476,000 | 1,504,000 | 1,416,000 | 1,454,000 |
| Total capital | 1,575,000 | 1,609,000 | 1,521,000 | 1,543,000 |
| Risk-weighted assets | 8,321,000 | 8,573,000 | 8,413,000 | 8,376,000 |