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 | 48,574,000 | 53,889,000 | 67,529,000 | 72,258,000 |
| Total loans | 34,842,000 | 39,850,000 | 46,598,000 | 53,794,000 |
| Allowance for loan losses | 474,000 | 505,000 | 559,000 | 670,000 |
| Securities available for sale | 4,584,000 | 4,999,000 | 4,679,000 | 5,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,939,000 | 49,083,000 | 62,598,000 | 66,706,000 |
| Interest-bearing deposits | 34,563,000 | 37,736,000 | 51,845,000 | 53,578,000 |
| Noninterest-bearing deposits | 9,376,000 | 11,347,000 | 10,753,000 | 13,128,000 |
| Equity capital | 4,512,000 | 4,681,000 | 4,747,000 | 5,350,000 |
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 | 766,000 | 1,641,000 | 2,647,000 | 3,780,000 |
| Interest expense | 239,000 | 484,000 | 804,000 | 1,155,000 |
| Net interest income | 527,000 | 1,157,000 | 1,843,000 | 2,625,000 |
| Noninterest income | 98,000 | 199,000 | 325,000 | 486,000 |
| Noninterest expense | 463,000 | 972,000 | 1,600,000 | 2,232,000 |
| Provision for loan losses | 0 | 42,000 | 142,000 | 287,000 |
| Pretax income | 162,000 | 342,000 | 426,000 | 592,000 |
| Income tax | 55,000 | 116,000 | 134,000 | 191,000 |
| Net income | 107,000 | 226,000 | 292,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,481,000 | 3,699,000 | 3,732,000 | 4,288,000 |
| Total capital | 3,944,000 | 4,204,000 | 4,291,000 | 4,958,000 |
| Risk-weighted assets | 37,000,000 | 43,902,000 | 50,755,000 | 57,330,000 |