Call reports 2002
COMMERCIAL BANK, THE — 2002
What COMMERCIAL BANK, THE 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 | 90,166,000 | 95,006,000 | 101,025,000 | 99,912,000 |
| Total loans | 69,287,000 | 74,103,000 | 79,849,000 | 79,957,000 |
| Allowance for loan losses | 749,000 | 798,000 | 929,000 | 1,015,000 |
| Securities available for sale | 12,965,000 | 12,877,000 | 12,810,000 | 12,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,842,000 | 71,754,000 | 77,110,000 | 74,449,000 |
| Interest-bearing deposits | 61,055,000 | 63,386,000 | 68,956,000 | 67,029,000 |
| Noninterest-bearing deposits | 7,787,000 | 8,368,000 | 8,154,000 | 7,420,000 |
| Equity capital | 7,485,000 | 7,835,000 | 8,257,000 | 8,478,000 |
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 | 1,402,000 | 2,915,000 | 4,496,000 | 6,056,000 |
| Interest expense | 580,000 | 1,123,000 | 1,743,000 | 2,301,000 |
| Net interest income | 822,000 | 1,792,000 | 2,753,000 | 3,755,000 |
| Noninterest income | 190,000 | 330,000 | 561,000 | 829,000 |
| Noninterest expense | 699,000 | 1,401,000 | 2,130,000 | 2,987,000 |
| Provision for loan losses | 60,000 | 120,000 | 255,000 | 370,000 |
| Pretax income | 253,000 | 601,000 | 929,000 | 1,227,000 |
| Income tax | 70,000 | 163,000 | 253,000 | 326,000 |
| Net income | 183,000 | 438,000 | 676,000 | 901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,303,000 | 7,609,000 | 7,972,000 | 8,227,000 |
| Total capital | 8,052,000 | 8,407,000 | 8,901,000 | 9,242,000 |
| Risk-weighted assets | 77,173,000 | 81,174,000 | 80,267,000 | 80,505,000 |