Call reports 2002
STATE BANK OF SCHALLER — 2002
What STATE BANK OF SCHALLER 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 | 18,383,000 | 16,546,000 | 16,162,000 | 17,099,000 |
| Total loans | 9,697,000 | 9,246,000 | 9,136,000 | 8,692,000 |
| Allowance for loan losses | 263,000 | 238,000 | 256,000 | 228,000 |
| Securities available for sale | 5,546,000 | 5,963,000 | 5,444,000 | 5,630,000 |
| Securities held to maturity | 869,000 | 613,000 | 613,000 | 932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,212,000 | 14,252,000 | 13,687,000 | 14,721,000 |
| Interest-bearing deposits | 14,807,000 | 12,989,000 | 12,344,000 | 13,571,000 |
| Noninterest-bearing deposits | 1,405,000 | 1,263,000 | 1,343,000 | 1,150,000 |
| Equity capital | 2,058,000 | 2,147,000 | 2,276,000 | 2,130,000 |
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 | 279,000 | 546,000 | 827,000 | 1,084,000 |
| Interest expense | 99,000 | 186,000 | 257,000 | 326,000 |
| Net interest income | 180,000 | 360,000 | 570,000 | 758,000 |
| Noninterest income | 93,000 | 194,000 | 279,000 | 422,000 |
| Noninterest expense | 170,000 | 350,000 | 534,000 | 769,000 |
| Provision for loan losses | 50,000 | 110,000 | 122,000 | 122,000 |
| Pretax income | 52,000 | 94,000 | 203,000 | 299,000 |
| Income tax | 6,000 | 14,000 | 52,000 | 98,000 |
| Net income | 46,000 | 80,000 | 151,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,013,000 | 2,047,000 | 2,118,000 | 1,968,000 |
| Total capital | 2,147,000 | 2,170,000 | 2,242,000 | 2,090,000 |
| Risk-weighted assets | 10,565,000 | 9,700,000 | 9,774,000 | 9,669,000 |