Call reports 2002
BANK OF CLINTON COUNTY, INC. — 2002
What BANK OF CLINTON COUNTY, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Total assets | 40,778,000 | 40,370,000 |
| Total loans | 29,582,000 | 28,807,000 |
| Allowance for loan losses | 529,000 | 481,000 |
| Securities available for sale | 6,130,000 | 5,724,000 |
| Securities held to maturity | 85,000 | 70,000 |
| Trading assets | 0 | 0 |
| Total deposits | 35,923,000 | 35,458,000 |
| Interest-bearing deposits | 32,016,000 | 31,321,000 |
| Noninterest-bearing deposits | 3,907,000 | 4,137,000 |
| Equity capital | 4,068,000 | 4,100,000 |
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 |
|---|---|---|
| Interest income | 747,000 | 1,472,000 |
| Interest expense | 305,000 | 583,000 |
| Net interest income | 442,000 | 889,000 |
| Noninterest income | 90,000 | 194,000 |
| Noninterest expense | 347,000 | 694,000 |
| Provision for loan losses | 85,000 | 170,000 |
| Pretax income | 189,000 | 308,000 |
| Income tax | 43,000 | 70,000 |
| Net income | 146,000 | 238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Tier 1 capital | 4,085,000 | 4,031,000 |
| Total capital | 4,444,000 | 4,382,000 |
| Risk-weighted assets | 28,581,000 | 27,967,000 |