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 | 38,863,000 | 39,507,000 | 39,821,000 | 39,337,000 |
| Total loans | 24,912,000 | 26,648,000 | 28,574,000 | 28,275,000 |
| Allowance for loan losses | 329,000 | 338,000 | 321,000 | 311,000 |
| Securities available for sale | 1,921,000 | 2,779,000 | 2,288,000 | 3,382,000 |
| Securities held to maturity | 1,547,000 | 1,345,000 | 828,000 | 728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,385,000 | 33,485,000 | 33,080,000 | 33,425,000 |
| Interest-bearing deposits | 30,098,000 | 30,293,000 | 30,159,000 | 30,215,000 |
| Noninterest-bearing deposits | 3,287,000 | 3,192,000 | 2,921,000 | 3,210,000 |
| Equity capital | 4,464,000 | 4,596,000 | 4,707,000 | 4,780,000 |
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 | 580,000 | 1,167,000 | 1,780,000 | 2,394,000 |
| Interest expense | 282,000 | 552,000 | 808,000 | 1,051,000 |
| Net interest income | 298,000 | 615,000 | 972,000 | 1,343,000 |
| Noninterest income | 46,000 | 90,000 | 139,000 | 191,000 |
| Noninterest expense | 234,000 | 450,000 | 703,000 | 996,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 255,000 | 408,000 | 538,000 |
| Income tax | 30,000 | 58,000 | 108,000 | 163,000 |
| Net income | 80,000 | 197,000 | 300,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,450,000 | 4,567,000 | 4,670,000 | 4,746,000 |
| Total capital | 4,779,000 | 4,905,000 | 4,991,000 | 5,057,000 |
| Risk-weighted assets | 26,552,000 | 28,051,000 | 30,034,000 | 29,418,000 |