Call reports 2002
KNISELY BANK — 2002
What KNISELY 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 | 51,063,000 | 52,542,000 | 48,793,000 | 48,921,000 |
| Total loans | 35,072,000 | 35,633,000 | 34,503,000 | 33,348,000 |
| Allowance for loan losses | 233,000 | 233,000 | 242,000 | 255,000 |
| Securities available for sale | 4,543,000 | 5,077,000 | 5,569,000 | 7,080,000 |
| Securities held to maturity | 715,000 | 715,000 | 614,000 | 614,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,174,000 | 48,702,000 | 44,872,000 | 44,863,000 |
| Interest-bearing deposits | 40,008,000 | 41,490,000 | 37,232,000 | 36,674,000 |
| Noninterest-bearing deposits | 7,166,000 | 7,212,000 | 7,640,000 | 8,189,000 |
| Equity capital | 3,729,000 | 3,678,000 | 3,762,000 | 3,873,000 |
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 | 705,000 | 1,426,000 | 2,143,000 | 2,831,000 |
| Interest expense | 191,000 | 370,000 | 542,000 | 684,000 |
| Net interest income | 514,000 | 1,056,000 | 1,601,000 | 2,147,000 |
| Noninterest income | 53,000 | 103,000 | 159,000 | 233,000 |
| Noninterest expense | 420,000 | 832,000 | 1,270,000 | 1,775,000 |
| Provision for loan losses | 7,000 | 12,000 | 21,000 | 33,000 |
| Pretax income | 140,000 | 315,000 | 469,000 | 572,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 7,000 |
| Net income | 138,000 | 311,000 | 463,000 | 565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,749,000 | 3,664,000 | 3,756,000 | 3,858,000 |
| Total capital | 3,982,000 | 3,897,000 | 3,998,000 | 4,113,000 |
| Risk-weighted assets | 31,867,000 | 30,324,000 | 28,979,000 | 29,257,000 |