Call reports 2002
COMMERCIAL BANK OF TEXAS, N.A. — 2002
What COMMERCIAL BANK OF TEXAS, N.A. 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 | 294,303,000 | 288,467,000 | 290,399,000 | 287,261,000 |
| Total loans | 158,416,000 | 158,339,000 | 162,465,000 | 152,506,000 |
| Allowance for loan losses | 1,683,000 | 1,628,000 | 1,587,000 | 1,638,000 |
| Securities available for sale | 80,841,000 | 83,372,000 | 78,381,000 | 76,121,000 |
| Securities held to maturity | 2,643,000 | 2,642,000 | 2,641,000 | 2,640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,492,000 | 255,021,000 | 255,578,000 | 252,029,000 |
| Interest-bearing deposits | 226,920,000 | 215,646,000 | 214,507,000 | 213,945,000 |
| Noninterest-bearing deposits | 34,572,000 | 39,375,000 | 41,071,000 | 38,084,000 |
| Equity capital | 24,382,000 | 25,223,000 | 26,307,000 | 27,037,000 |
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 | 4,034,000 | 7,992,000 | 11,859,000 | 15,658,000 |
| Interest expense | 1,872,000 | 3,554,000 | 5,072,000 | 6,477,000 |
| Net interest income | 2,162,000 | 4,438,000 | 6,787,000 | 9,181,000 |
| Noninterest income | 1,019,000 | 1,999,000 | 3,242,000 | 4,754,000 |
| Noninterest expense | 2,283,000 | 4,682,000 | 7,107,000 | 9,678,000 |
| Provision for loan losses | 184,000 | 434,000 | 560,000 | 768,000 |
| Pretax income | 714,000 | 1,321,000 | 2,386,000 | 3,513,000 |
| Income tax | 237,000 | 437,000 | 786,000 | 1,096,000 |
| Net income | 477,000 | 884,000 | 1,600,000 | 2,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,897,000 | 20,184,000 | 20,790,000 | 21,493,000 |
| Total capital | 21,556,000 | 21,812,000 | 22,377,000 | 23,131,000 |
| Risk-weighted assets | 132,724,000 | 131,764,000 | 133,892,000 | 131,014,000 |