Call reports 2002
KENT COMMERCE BANK — 2002
What KENT COMMERCE 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 | 73,458,000 | 75,165,000 | 72,990,000 | 73,801,000 |
| Total loans | 69,387,000 | 71,026,000 | 69,317,000 | 68,848,000 |
| Allowance for loan losses | 833,000 | 853,000 | 853,000 | 830,000 |
| Securities available for sale | 1,002,000 | 1,003,000 | 1,001,000 | 1,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,128,000 | 56,448,000 | 56,810,000 | 62,611,000 |
| Interest-bearing deposits | 53,060,000 | 48,826,000 | 49,074,000 | 54,957,000 |
| Noninterest-bearing deposits | 7,068,000 | 7,622,000 | 7,736,000 | 7,654,000 |
| Equity capital | 6,959,000 | 7,253,000 | 7,531,000 | 7,774,000 |
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 | 1,326,000 | 2,760,000 | 4,050,000 | 5,266,000 |
| Interest expense | 524,000 | 1,020,000 | 1,483,000 | 1,930,000 |
| Net interest income | 802,000 | 1,740,000 | 2,567,000 | 3,336,000 |
| Noninterest income | 82,000 | 186,000 | 328,000 | 532,000 |
| Noninterest expense | 553,000 | 1,091,000 | 1,626,000 | 2,222,000 |
| Provision for loan losses | 67,000 | 135,000 | 149,000 | 154,000 |
| Pretax income | 264,000 | 700,000 | 1,120,000 | 1,492,000 |
| Income tax | 88,000 | 234,000 | 375,000 | 500,000 |
| Net income | 176,000 | 466,000 | 745,000 | 992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,167,000 | 6,456,000 | 6,736,000 | 6,982,000 |
| Total capital | 7,000,000 | 7,309,000 | 7,580,000 | 7,812,000 |
| Risk-weighted assets | 69,513,000 | 68,965,000 | 67,546,000 | 67,428,000 |
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