Call reports 2002
COSMOPOLITAN BANK AND TRUST — 2002
What COSMOPOLITAN BANK AND TRUST 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 | 275,101,000 | 273,789,000 | 290,230,000 | 305,745,000 |
| Total loans | 225,140,000 | 229,935,000 | 234,443,000 | 241,805,000 |
| Allowance for loan losses | 3,450,000 | 3,376,000 | 3,357,000 | 3,336,000 |
| Securities available for sale | 0 | 7,855,000 | 15,628,000 | 19,681,000 |
| Securities held to maturity | 3,948,000 | 3,948,000 | 3,901,000 | 3,758,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,338,000 | 241,428,000 | 258,137,000 | 271,581,000 |
| Interest-bearing deposits | 215,959,000 | 212,117,000 | 226,700,000 | 238,174,000 |
| Noninterest-bearing deposits | 28,379,000 | 29,311,000 | 31,437,000 | 33,407,000 |
| Equity capital | 27,734,000 | 28,801,000 | 30,142,000 | 32,327,000 |
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 | 5,112,000 | 10,004,000 | 15,190,000 | 20,366,000 |
| Interest expense | 1,556,000 | 3,029,000 | 4,509,000 | 5,960,000 |
| Net interest income | 3,556,000 | 6,975,000 | 10,681,000 | 14,406,000 |
| Noninterest income | 805,000 | 1,567,000 | 2,298,000 | 3,162,000 |
| Noninterest expense | 2,042,000 | 4,101,000 | 6,258,000 | 8,295,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,319,000 | 4,441,000 | 6,721,000 | 9,273,000 |
| Income tax | 890,000 | 1,702,000 | 2,577,000 | 3,553,000 |
| Net income | 1,429,000 | 2,739,000 | 4,144,000 | 5,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,621,000 | 28,969,000 | 30,412,000 | 32,025,000 |
| Total capital | 30,985,000 | 32,345,000 | 33,769,000 | 35,361,000 |
| Risk-weighted assets | 269,003,000 | 281,622,000 | 288,638,000 | 302,494,000 |