Call reports 2002
COMMERCIAL SAVINGS BANK, THE — 2002
What COMMERCIAL SAVINGS 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 | 240,061,000 | 237,660,000 | 255,949,000 | 256,790,000 |
| Total loans | 196,374,000 | 194,202,000 | 200,936,000 | 202,491,000 |
| Allowance for loan losses | 1,836,000 | 1,865,000 | 2,004,000 | 2,092,000 |
| Securities available for sale | 27,074,000 | 26,419,000 | 34,366,000 | 37,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,867,000 | 187,622,000 | 213,206,000 | 223,078,000 |
| Interest-bearing deposits | 183,103,000 | 169,735,000 | 193,784,000 | 200,432,000 |
| Noninterest-bearing deposits | 18,763,000 | 17,886,000 | 19,422,000 | 22,646,000 |
| Equity capital | 19,092,000 | 19,638,000 | 20,442,000 | 20,487,000 |
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 | 4,108,000 | 8,197,000 | 12,379,000 | 16,600,000 |
| Interest expense | 1,879,000 | 3,375,000 | 4,827,000 | 6,346,000 |
| Net interest income | 2,229,000 | 4,822,000 | 7,552,000 | 10,254,000 |
| Noninterest income | 503,000 | 1,071,000 | 1,613,000 | 2,174,000 |
| Noninterest expense | 2,186,000 | 4,425,000 | 6,695,000 | 8,997,000 |
| Provision for loan losses | 240,000 | 500,000 | 905,000 | 1,155,000 |
| Pretax income | 320,000 | 1,025,000 | 1,837,000 | 2,675,000 |
| Income tax | 55,000 | 241,000 | 451,000 | 666,000 |
| Net income | 265,000 | 784,000 | 1,386,000 | 2,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,234,000 | 19,518,000 | 19,801,000 | 20,216,000 |
| Total capital | 21,070,000 | 21,383,000 | 21,805,000 | 22,308,000 |
| Risk-weighted assets | 181,957,000 | 184,834,000 | 194,981,000 | 197,270,000 |