Call reports 2002
CMS BANK — 2002
What CMS 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 | 112,140,000 | 113,439,000 | 112,331,000 | 112,946,000 |
| Total loans | 83,466,000 | 83,174,000 | 81,271,000 | 80,588,000 |
| Allowance for loan losses | 173,000 | 178,000 | 178,000 | 180,000 |
| Securities available for sale | 13,554,000 | 11,930,000 | 11,171,000 | 7,337,000 |
| Securities held to maturity | 1,173,000 | 1,068,000 | 922,000 | 829,000 |
| Trading assets | 1,640,000 | 1,435,000 | 372,000 | 0 |
| Total deposits | 101,874,000 | 103,324,000 | 102,442,000 | 103,029,000 |
| Interest-bearing deposits | 92,225,000 | 93,971,000 | 93,235,000 | 93,931,000 |
| Noninterest-bearing deposits | 9,649,000 | 9,353,000 | 9,207,000 | 9,098,000 |
| Equity capital | 8,823,000 | 8,768,000 | 8,620,000 | 8,580,000 |
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 | 1,659,000 | 3,298,000 | 4,916,000 | 6,480,000 |
| Interest expense | 635,000 | 1,179,000 | 1,656,000 | 2,085,000 |
| Net interest income | 1,024,000 | 2,119,000 | 3,260,000 | 4,395,000 |
| Noninterest income | 141,000 | -1,000 | -146,000 | -57,000 |
| Noninterest expense | 958,000 | 1,850,000 | 2,801,000 | 3,743,000 |
| Provision for loan losses | 10,000 | 15,000 | 7,000 | 0 |
| Pretax income | 197,000 | 253,000 | 414,000 | 924,000 |
| Income tax | 77,000 | 99,000 | 162,000 | 353,000 |
| Net income | 120,000 | 154,000 | 252,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,450,000 | 7,484,000 | 7,582,000 | 7,855,000 |
| Total capital | 8,625,000 | 8,541,000 | 8,408,000 | 8,739,000 |
| Risk-weighted assets | 60,644,000 | 56,583,000 | 59,976,000 | 55,485,000 |