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 | 44,587,000 | 44,832,000 | 45,690,000 | 45,466,000 |
| Total loans | 18,839,000 | 19,691,000 | 19,568,000 | 19,304,000 |
| Allowance for loan losses | 224,000 | 270,000 | 281,000 | 289,000 |
| Securities available for sale | 18,565,000 | 17,670,000 | 17,570,000 | 16,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,825,000 | 39,868,000 | 40,594,000 | 40,790,000 |
| Interest-bearing deposits | 30,428,000 | 30,358,000 | 30,902,000 | 31,327,000 |
| Noninterest-bearing deposits | 9,397,000 | 9,510,000 | 9,692,000 | 9,463,000 |
| Equity capital | 4,448,000 | 4,644,000 | 4,784,000 | 4,384,000 |
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 | 649,000 | 1,270,000 | 1,888,000 | 2,472,000 |
| Interest expense | 184,000 | 346,000 | 498,000 | 638,000 |
| Net interest income | 465,000 | 924,000 | 1,390,000 | 1,834,000 |
| Noninterest income | 222,000 | 423,000 | 618,000 | 811,000 |
| Noninterest expense | 449,000 | 914,000 | 1,438,000 | 2,101,000 |
| Provision for loan losses | 0 | 50,000 | 150,000 | 150,000 |
| Pretax income | 246,000 | 362,000 | 407,000 | 415,000 |
| Income tax | 7,000 | 0 | 0 | 0 |
| Net income | 239,000 | 362,000 | 407,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,523,000 | 4,420,000 | 4,339,000 | 3,994,000 |
| Total capital | 4,747,000 | 4,690,000 | 4,620,000 | 4,283,000 |
| Risk-weighted assets | 21,943,000 | 23,083,000 | 23,271,000 | 23,316,000 |