Call reports 2002
COMMERCIAL STATE BANK — 2002
What COMMERCIAL STATE 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 | 45,969,000 | 46,662,000 | 46,999,000 | 48,299,000 |
| Total loans | 34,577,000 | 35,724,000 | 36,762,000 | 34,507,000 |
| Allowance for loan losses | 844,000 | 835,000 | 879,000 | 913,000 |
| Securities available for sale | 7,139,000 | 7,134,000 | 7,325,000 | 8,100,000 |
| Securities held to maturity | 988,000 | 988,000 | 1,267,000 | 1,426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,986,000 | 41,640,000 | 41,661,000 | 43,033,000 |
| Interest-bearing deposits | 37,933,000 | 38,938,000 | 38,970,000 | 40,230,000 |
| Noninterest-bearing deposits | 3,053,000 | 2,702,000 | 2,691,000 | 2,803,000 |
| Equity capital | 4,709,000 | 4,694,000 | 4,850,000 | 5,071,000 |
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 | 804,000 | 1,616,000 | 2,420,000 | 3,197,000 |
| Interest expense | 361,000 | 708,000 | 1,055,000 | 1,395,000 |
| Net interest income | 443,000 | 908,000 | 1,365,000 | 1,802,000 |
| Noninterest income | 57,000 | 114,000 | 182,000 | 266,000 |
| Noninterest expense | 267,000 | 531,000 | 809,000 | 1,070,000 |
| Provision for loan losses | 130,000 | 280,000 | 325,000 | 355,000 |
| Pretax income | 103,000 | 211,000 | 424,000 | 661,000 |
| Income tax | 5,000 | 0 | 15,000 | 20,000 |
| Net income | 98,000 | 211,000 | 409,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,701,000 | 4,567,000 | 4,649,000 | 4,882,000 |
| Total capital | 5,152,000 | 5,031,000 | 5,154,000 | 5,368,000 |
| Risk-weighted assets | 35,687,000 | 36,729,000 | 40,010,000 | 38,437,000 |