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 | 322,425,000 | 333,798,000 | 346,994,000 | 362,158,000 |
| Total loans | 275,828,000 | 288,250,000 | 300,672,000 | 300,144,000 |
| Allowance for loan losses | 3,344,000 | 3,532,000 | 3,750,000 | 3,745,000 |
| Securities available for sale | 30,820,000 | 30,519,000 | 29,515,000 | 36,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,697,000 | 248,404,000 | 248,555,000 | 269,742,000 |
| Interest-bearing deposits | 227,355,000 | 204,889,000 | 212,141,000 | 225,805,000 |
| Noninterest-bearing deposits | 33,342,000 | 43,515,000 | 36,414,000 | 43,937,000 |
| Equity capital | 26,447,000 | 28,627,000 | 29,641,000 | 30,698,000 |
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 | 5,462,000 | 11,041,000 | 16,696,000 | 22,277,000 |
| Interest expense | 2,102,000 | 4,067,000 | 5,986,000 | 7,838,000 |
| Net interest income | 3,360,000 | 6,974,000 | 10,710,000 | 14,439,000 |
| Noninterest income | 589,000 | 1,157,000 | 1,769,000 | 2,426,000 |
| Noninterest expense | 1,658,000 | 3,274,000 | 4,934,000 | 6,669,000 |
| Provision for loan losses | 180,000 | 525,000 | 890,000 | 1,110,000 |
| Pretax income | 2,157,000 | 4,465,000 | 6,788,000 | 9,219,000 |
| Income tax | 784,000 | 1,625,000 | 2,469,000 | 3,356,000 |
| Net income | 1,373,000 | 2,840,000 | 4,319,000 | 5,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,279,000 | 28,285,000 | 29,280,000 | 30,273,000 |
| Total capital | 29,623,000 | 31,817,000 | 33,030,000 | 34,018,000 |
| Risk-weighted assets | 279,163,000 | 289,822,000 | 302,285,000 | 304,965,000 |