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 | 111,762,000 | 112,440,000 | 113,294,000 | 115,599,000 |
| Total loans | 51,010,000 | 52,776,000 | 53,496,000 | 53,603,000 |
| Allowance for loan losses | 637,000 | 656,000 | 650,000 | 650,000 |
| Securities available for sale | 20,505,000 | 18,536,000 | 21,461,000 | 20,861,000 |
| Securities held to maturity | 26,373,000 | 27,218,000 | 24,532,000 | 25,643,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,632,000 | 97,413,000 | 97,955,000 | 98,603,000 |
| Interest-bearing deposits | 83,522,000 | 82,791,000 | 83,185,000 | 84,256,000 |
| Noninterest-bearing deposits | 14,109,000 | 14,622,000 | 14,770,000 | 14,348,000 |
| Equity capital | 11,860,000 | 12,104,000 | 12,278,000 | 12,406,000 |
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 | 1,759,000 | 3,515,000 | 5,247,000 | 6,954,000 |
| Interest expense | 741,000 | 1,449,000 | 2,136,000 | 2,800,000 |
| Net interest income | 1,018,000 | 2,066,000 | 3,111,000 | 4,154,000 |
| Noninterest income | 207,000 | 421,000 | 643,000 | 877,000 |
| Noninterest expense | 743,000 | 1,537,000 | 2,344,000 | 3,133,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 437,000 | 860,000 | 1,275,000 | 1,718,000 |
| Income tax | 139,000 | 276,000 | 405,000 | 542,000 |
| Net income | 298,000 | 584,000 | 870,000 | 1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,512,000 | 8,599,000 | 8,694,000 | 8,810,000 |
| Total capital | 9,149,000 | 9,255,000 | 9,344,000 | 9,460,000 |
| Risk-weighted assets | 53,719,000 | 54,487,000 | 54,775,000 | 55,684,000 |