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 | 192,041,000 | 195,803,000 | 194,055,000 | 197,246,000 |
| Total loans | 83,903,000 | 84,336,000 | 83,426,000 | 86,796,000 |
| Allowance for loan losses | 1,580,000 | 1,645,000 | 1,013,000 | 1,197,000 |
| Securities available for sale | 86,567,000 | 91,634,000 | 87,011,000 | 82,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,250,000 | 160,138,000 | 156,341,000 | 156,842,000 |
| Interest-bearing deposits | 143,810,000 | 145,545,000 | 138,931,000 | 140,550,000 |
| Noninterest-bearing deposits | 14,440,000 | 14,593,000 | 17,410,000 | 16,292,000 |
| Equity capital | 28,507,000 | 29,634,000 | 31,077,000 | 31,880,000 |
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 | 2,946,000 | 5,869,000 | 8,738,000 | 11,483,000 |
| Interest expense | 1,095,000 | 2,159,000 | 3,147,000 | 4,036,000 |
| Net interest income | 1,851,000 | 3,710,000 | 5,591,000 | 7,447,000 |
| Noninterest income | 346,000 | 809,000 | 1,252,000 | 1,725,000 |
| Noninterest expense | 1,224,000 | 2,450,000 | 3,688,000 | 4,953,000 |
| Provision for loan losses | 58,000 | 140,000 | 215,000 | 402,000 |
| Pretax income | 915,000 | 1,929,000 | 2,940,000 | 3,817,000 |
| Income tax | 51,000 | 107,000 | 163,000 | 155,000 |
| Net income | 864,000 | 1,822,000 | 2,777,000 | 3,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,211,000 | 27,509,000 | 28,284,000 | 29,118,000 |
| Total capital | 28,522,000 | 28,838,000 | 29,297,000 | 30,315,000 |
| Risk-weighted assets | 104,623,000 | 106,015,000 | 103,805,000 | 107,418,000 |