Call reports 2002
CITIZENS COMMERCE BANK — 2002
What CITIZENS COMMERCE 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 | 135,993,000 | 135,028,000 | 139,998,000 | 151,579,000 |
| Total loans | 114,312,000 | 113,978,000 | 119,688,000 | 125,582,000 |
| Allowance for loan losses | 1,200,000 | 1,186,000 | 1,256,000 | 1,384,000 |
| Securities available for sale | 11,820,000 | 10,666,000 | 9,169,000 | 13,212,000 |
| Securities held to maturity | 792,000 | 792,000 | 987,000 | 987,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,468,000 | 111,446,000 | 116,296,000 | 127,234,000 |
| Interest-bearing deposits | 101,404,000 | 104,210,000 | 108,349,000 | 118,917,000 |
| Noninterest-bearing deposits | 8,064,000 | 7,236,000 | 7,947,000 | 8,316,000 |
| Equity capital | 10,144,000 | 10,751,000 | 10,691,000 | 11,074,000 |
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 | 2,612,000 | 5,110,000 | 7,582,000 | 10,126,000 |
| Interest expense | 1,182,000 | 2,279,000 | 3,356,000 | 4,430,000 |
| Net interest income | 1,430,000 | 2,831,000 | 4,226,000 | 5,696,000 |
| Noninterest income | 325,000 | 692,000 | 1,054,000 | 1,457,000 |
| Noninterest expense | 1,005,000 | 2,002,000 | 3,018,000 | 4,165,000 |
| Provision for loan losses | 165,000 | 235,000 | 325,000 | 565,000 |
| Pretax income | 632,000 | 1,338,000 | 2,028,000 | 2,519,000 |
| Income tax | 207,000 | 430,000 | 656,000 | 811,000 |
| Net income | 425,000 | 908,000 | 1,372,000 | 1,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,988,000 | 10,468,000 | 10,317,000 | 10,753,000 |
| Total capital | 11,188,000 | 11,654,000 | 11,573,000 | 12,137,000 |
| Risk-weighted assets | 107,757,000 | 106,272,000 | 112,599,000 | 117,233,000 |