Call reports 2002
COMMERCIAL BANK — 2002
What COMMERCIAL 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 | 22,956,000 | 23,740,000 | 22,753,000 | 23,801,000 |
| Total loans | 11,911,000 | 13,023,000 | 13,026,000 | 13,158,000 |
| Allowance for loan losses | 645,000 | 700,000 | 707,000 | 719,000 |
| Securities available for sale | 900,000 | 0 | 0 | 0 |
| Securities held to maturity | 4,974,000 | 5,470,000 | 5,722,000 | 5,711,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,248,000 | 18,924,000 | 17,607,000 | 18,830,000 |
| Interest-bearing deposits | 16,460,000 | 17,254,000 | 15,916,000 | 16,899,000 |
| Noninterest-bearing deposits | 1,789,000 | 1,671,000 | 1,691,000 | 1,932,000 |
| Equity capital | 4,632,000 | 4,726,000 | 4,818,000 | 4,909,000 |
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 | 326,000 | 676,000 | 1,032,000 | 1,376,000 |
| Interest expense | 108,000 | 206,000 | 301,000 | 388,000 |
| Net interest income | 218,000 | 470,000 | 731,000 | 988,000 |
| Noninterest income | 20,000 | 37,000 | 56,000 | 75,000 |
| Noninterest expense | 145,000 | 284,000 | 439,000 | 584,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 93,000 | 223,000 | 348,000 | 479,000 |
| Income tax | 24,000 | 60,000 | 93,000 | 133,000 |
| Net income | 69,000 | 163,000 | 255,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,632,000 | 4,726,000 | 4,818,000 | 4,909,000 |
| Total capital | 4,795,000 | 4,903,000 | 5,001,000 | 5,095,000 |
| Risk-weighted assets | 12,562,000 | 14,366,000 | 14,094,000 | 14,370,000 |