Call reports 2002
SONATA BANK — 2002
What SONATA 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 | 26,702,000 | 26,506,000 | 25,692,000 | 25,344,000 |
| Total loans | 18,761,000 | 18,411,000 | 17,010,000 | 16,386,000 |
| Allowance for loan losses | 230,000 | 242,000 | 387,000 | 391,000 |
| Securities available for sale | 1,144,000 | 2,690,000 | 3,013,000 | 2,917,000 |
| Securities held to maturity | 2,984,000 | 2,980,000 | 2,777,000 | 2,323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,418,000 | 22,178,000 | 21,744,000 | 21,457,000 |
| Interest-bearing deposits | 20,031,000 | 19,732,000 | 19,314,000 | 19,164,000 |
| Noninterest-bearing deposits | 2,387,000 | 2,446,000 | 2,430,000 | 2,293,000 |
| Equity capital | 2,496,000 | 2,555,000 | 2,388,000 | 2,377,000 |
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 | 493,000 | 967,000 | 1,431,000 | 1,879,000 |
| Interest expense | 229,000 | 446,000 | 650,000 | 839,000 |
| Net interest income | 264,000 | 521,000 | 781,000 | 1,040,000 |
| Noninterest income | 16,000 | 31,000 | 53,000 | 75,000 |
| Noninterest expense | 201,000 | 409,000 | 618,000 | 856,000 |
| Provision for loan losses | 38,000 | 61,000 | 433,000 | 492,000 |
| Pretax income | 41,000 | 82,000 | -217,000 | -233,000 |
| Income tax | 19,000 | 27,000 | -65,000 | -63,000 |
| Net income | 22,000 | 55,000 | -152,000 | -170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,494,000 | 2,528,000 | 2,320,000 | 2,303,000 |
| Total capital | 2,700,000 | 2,733,000 | 2,520,000 | 2,497,000 |
| Risk-weighted assets | 16,453,000 | 16,396,000 | 15,818,000 | 15,316,000 |