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 | 30,341,000 | 30,875,000 | 31,133,000 | 31,987,000 |
| Total loans | 15,161,000 | 16,380,000 | 17,215,000 | 16,178,000 |
| Allowance for loan losses | 453,000 | 446,000 | 404,000 | 397,000 |
| Securities available for sale | 9,601,000 | 10,037,000 | 9,345,000 | 9,458,000 |
| Securities held to maturity | 1,614,000 | 1,513,000 | 1,415,000 | 1,334,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,447,000 | 26,353,000 | 26,722,000 | 27,635,000 |
| Interest-bearing deposits | 23,964,000 | 24,062,000 | 24,400,000 | 24,607,000 |
| Noninterest-bearing deposits | 2,483,000 | 2,291,000 | 2,322,000 | 3,028,000 |
| Equity capital | 3,788,000 | 4,021,000 | 4,161,000 | 4,216,000 |
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 | 479,000 | 983,000 | 1,498,000 | 1,976,000 |
| Interest expense | 209,000 | 411,000 | 603,000 | 786,000 |
| Net interest income | 270,000 | 572,000 | 895,000 | 1,190,000 |
| Noninterest income | 36,000 | 97,000 | 149,000 | 195,000 |
| Noninterest expense | 183,000 | 363,000 | 562,000 | 804,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 117,000 | 294,000 | 469,000 | 562,000 |
| Income tax | 31,000 | 83,000 | 130,000 | 156,000 |
| Net income | 86,000 | 211,000 | 339,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,520,000 | 2,646,000 | 2,773,000 | 2,841,000 |
| Total capital | 2,741,000 | 2,883,000 | 3,025,000 | 3,085,000 |
| Risk-weighted assets | 17,470,000 | 18,726,000 | 20,024,000 | 19,352,000 |