Call reports 2002
COMMUNITY BANK OF PICKENS COUNTY — 2002
What COMMUNITY BANK OF PICKENS COUNTY 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 | 43,705,000 | 52,978,000 | 64,240,000 | 68,903,000 |
| Total loans | 32,222,000 | 39,672,000 | 46,084,000 | 53,300,000 |
| Allowance for loan losses | 344,000 | 369,000 | 499,000 | 647,000 |
| Securities available for sale | 5,835,000 | 5,995,000 | 10,003,000 | 10,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,518,000 | 45,690,000 | 56,762,000 | 58,038,000 |
| Interest-bearing deposits | 34,181,000 | 42,718,000 | 52,882,000 | 54,766,000 |
| Noninterest-bearing deposits | 2,337,000 | 2,972,000 | 3,880,000 | 3,272,000 |
| Equity capital | 5,058,000 | 5,226,000 | 5,340,000 | 8,816,000 |
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 | 722,000 | 1,551,000 | 2,592,000 | 3,721,000 |
| Interest expense | 342,000 | 694,000 | 1,148,000 | 1,619,000 |
| Net interest income | 380,000 | 857,000 | 1,444,000 | 2,102,000 |
| Noninterest income | 43,000 | 99,000 | 153,000 | 216,000 |
| Noninterest expense | 379,000 | 790,000 | 1,228,000 | 1,683,000 |
| Provision for loan losses | 15,000 | 40,000 | 170,000 | 330,000 |
| Pretax income | 29,000 | 126,000 | 198,000 | 305,000 |
| Income tax | 0 | 28,000 | 50,000 | 90,000 |
| Net income | 29,000 | 98,000 | 148,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,160,000 | 5,229,000 | 5,279,000 | 8,736,000 |
| Total capital | 5,504,000 | 5,598,000 | 5,778,000 | 9,383,000 |
| Risk-weighted assets | 33,375,000 | 40,361,000 | 46,618,000 | 53,130,000 |