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 | 220,277,000 | 218,507,000 | 217,283,000 | 218,030,000 |
| Total loans | 149,226,000 | 146,045,000 | 142,329,000 | 140,819,000 |
| Allowance for loan losses | 2,088,000 | 1,925,000 | 1,817,000 | 2,050,000 |
| Securities available for sale | 38,398,000 | 40,190,000 | 50,075,000 | 54,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,193,000 | 179,835,000 | 178,658,000 | 179,358,000 |
| Interest-bearing deposits | 164,759,000 | 164,923,000 | 163,684,000 | 162,801,000 |
| Noninterest-bearing deposits | 15,434,000 | 14,912,000 | 14,974,000 | 16,557,000 |
| Equity capital | 16,213,000 | 16,720,000 | 17,077,000 | 16,921,000 |
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 | 3,430,000 | 6,772,000 | 9,951,000 | 13,023,000 |
| Interest expense | 1,568,000 | 3,010,000 | 4,368,000 | 5,604,000 |
| Net interest income | 1,862,000 | 3,762,000 | 5,583,000 | 7,419,000 |
| Noninterest income | 253,000 | 516,000 | 841,000 | 1,286,000 |
| Noninterest expense | 1,425,000 | 2,911,000 | 4,329,000 | 5,871,000 |
| Provision for loan losses | 150,000 | 350,000 | 500,000 | 975,000 |
| Pretax income | 540,000 | 1,017,000 | 1,595,000 | 1,867,000 |
| Income tax | 111,000 | 213,000 | 387,000 | 431,000 |
| Net income | 429,000 | 804,000 | 1,208,000 | 1,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,812,000 | 15,919,000 | 16,025,000 | 15,945,000 |
| Total capital | 25,533,000 | 25,199,000 | 25,267,000 | 24,681,000 |
| Risk-weighted assets | 144,989,000 | 142,362,000 | 139,226,000 | 138,471,000 |