Call reports 2002
COMMERCIAL BANK, THE — 2002
What COMMERCIAL BANK, THE 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 | 17,054,000 | 16,614,000 | 16,517,000 | 17,002,000 |
| Total loans | 9,697,000 | 9,473,000 | 9,710,000 | 9,236,000 |
| Allowance for loan losses | 113,000 | 82,000 | 86,000 | 92,000 |
| Securities available for sale | 4,963,000 | 5,096,000 | 4,898,000 | 4,812,000 |
| Securities held to maturity | 0 | 0 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,780,000 | 14,322,000 | 14,168,000 | 14,973,000 |
| Interest-bearing deposits | 11,799,000 | 11,809,000 | 11,931,000 | 12,381,000 |
| Noninterest-bearing deposits | 2,981,000 | 2,513,000 | 2,237,000 | 2,592,000 |
| Equity capital | 2,172,000 | 2,208,000 | 2,255,000 | 1,952,000 |
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 | 251,000 | 497,000 | 738,000 | 970,000 |
| Interest expense | 54,000 | 101,000 | 148,000 | 191,000 |
| Net interest income | 197,000 | 396,000 | 590,000 | 779,000 |
| Noninterest income | 25,000 | 47,000 | 73,000 | 97,000 |
| Noninterest expense | 169,000 | 330,000 | 491,000 | 676,000 |
| Provision for loan losses | 6,000 | 27,000 | 31,000 | 21,000 |
| Pretax income | 57,000 | 96,000 | 160,000 | 204,000 |
| Income tax | 17,000 | 36,000 | 58,000 | 68,000 |
| Net income | 40,000 | 60,000 | 102,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,158,000 | 2,178,000 | 2,220,000 | 1,930,000 |
| Total capital | 2,271,000 | 2,260,000 | 2,306,000 | 2,022,000 |
| Risk-weighted assets | 10,538,000 | 10,299,000 | 10,475,000 | 10,545,000 |