Call reports 2002
STATE BANK OF SAUNEMIN — 2002
What STATE BANK OF SAUNEMIN 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 | 19,444,000 | 19,253,000 | 19,206,000 | 20,163,000 |
| Total loans | 9,973,000 | 9,966,000 | 10,438,000 | 10,169,000 |
| Allowance for loan losses | 164,000 | 165,000 | 185,000 | 184,000 |
| Securities available for sale | 4,067,000 | 3,813,000 | 3,113,000 | 3,645,000 |
| Securities held to maturity | 1,871,000 | 1,748,000 | 1,851,000 | 2,062,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,867,000 | 16,620,000 | 17,144,000 | 18,135,000 |
| Interest-bearing deposits | 14,968,000 | 14,851,000 | 15,449,000 | 15,823,000 |
| Noninterest-bearing deposits | 1,899,000 | 1,769,000 | 1,695,000 | 2,312,000 |
| Equity capital | 1,558,000 | 1,654,000 | 1,700,000 | 1,706,000 |
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 | 302,000 | 597,000 | 875,000 | 1,148,000 |
| Interest expense | 125,000 | 240,000 | 350,000 | 458,000 |
| Net interest income | 177,000 | 357,000 | 525,000 | 690,000 |
| Noninterest income | 19,000 | 37,000 | 61,000 | 90,000 |
| Noninterest expense | 150,000 | 279,000 | 423,000 | 597,000 |
| Provision for loan losses | 6,000 | 12,000 | 16,000 | 16,000 |
| Pretax income | 40,000 | 103,000 | 147,000 | 167,000 |
| Income tax | 7,000 | 13,000 | 20,000 | 31,000 |
| Net income | 33,000 | 90,000 | 127,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,563,000 | 1,620,000 | 1,657,000 | 1,666,000 |
| Total capital | 1,705,000 | 1,764,000 | 1,805,000 | 1,820,000 |
| Risk-weighted assets | 11,338,000 | 11,504,000 | 11,903,000 | 12,267,000 |