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 | 78,648,000 | 74,389,000 | 73,772,000 | 78,256,000 |
| Total loans | 38,433,000 | 39,737,000 | 44,912,000 | 41,993,000 |
| Allowance for loan losses | 680,000 | 706,000 | 578,000 | 583,000 |
| Securities available for sale | 22,208,000 | 20,839,000 | 21,615,000 | 21,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,613,000 | 65,039,000 | 63,829,000 | 68,083,000 |
| Interest-bearing deposits | 59,120,000 | 56,550,000 | 54,749,000 | 57,335,000 |
| Noninterest-bearing deposits | 10,493,000 | 8,489,000 | 9,080,000 | 10,747,000 |
| Equity capital | 8,680,000 | 9,032,000 | 9,599,000 | 9,962,000 |
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 | 1,218,000 | 2,434,000 | 3,660,000 | 4,866,000 |
| Interest expense | 509,000 | 929,000 | 1,305,000 | 1,653,000 |
| Net interest income | 709,000 | 1,505,000 | 2,355,000 | 3,213,000 |
| Noninterest income | 139,000 | 299,000 | 449,000 | 595,000 |
| Noninterest expense | 496,000 | 990,000 | 1,478,000 | 1,955,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 322,000 | 754,000 | 1,236,000 | 1,733,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 322,000 | 754,000 | 1,236,000 | 1,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,582,000 | 7,624,000 | 7,883,000 | 8,381,000 |
| Total capital | 8,176,000 | 8,221,000 | 8,461,000 | 8,964,000 |
| Risk-weighted assets | 47,426,000 | 47,617,000 | 51,698,000 | 49,939,000 |