Call reports 2002
FIRST NATIONAL BANK OF LAKE CITY & CREEDE — 2002
What FIRST NATIONAL BANK OF LAKE CITY & CREEDE 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 | 30,341,000 | 31,306,000 | 31,918,000 | 28,619,000 |
| Total loans | 22,314,000 | 21,514,000 | 19,994,000 | 19,021,000 |
| Allowance for loan losses | 221,000 | 288,000 | 289,000 | 287,000 |
| Securities available for sale | 2,700,000 | 2,713,000 | 3,638,000 | 4,836,000 |
| Securities held to maturity | 561,000 | 546,000 | 732,000 | 732,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,849,000 | 28,813,000 | 29,361,000 | 26,012,000 |
| Interest-bearing deposits | 23,899,000 | 24,087,000 | 23,535,000 | 22,158,000 |
| Noninterest-bearing deposits | 3,950,000 | 4,726,000 | 5,826,000 | 3,854,000 |
| Equity capital | 2,431,000 | 2,463,000 | 2,477,000 | 2,519,000 |
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 | 486,000 | 1,018,000 | 1,454,000 | 1,869,000 |
| Interest expense | 207,000 | 405,000 | 578,000 | 731,000 |
| Net interest income | 279,000 | 613,000 | 876,000 | 1,138,000 |
| Noninterest income | 26,000 | 54,000 | 126,000 | 168,000 |
| Noninterest expense | 270,000 | 524,000 | 828,000 | 1,091,000 |
| Provision for loan losses | 0 | 81,000 | 81,000 | 81,000 |
| Pretax income | 35,000 | 62,000 | 93,000 | 141,000 |
| Income tax | 7,000 | 11,000 | 17,000 | 27,000 |
| Net income | 28,000 | 51,000 | 76,000 | 114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,431,000 | 2,455,000 | 2,455,000 | 2,497,000 |
| Total capital | 2,657,000 | 2,718,000 | 2,703,000 | 2,735,000 |
| Risk-weighted assets | 21,326,000 | 21,023,000 | 19,791,000 | 18,986,000 |