Call reports 2002
COMMERCIAL STATE BANK — 2002
What COMMERCIAL STATE 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 | 46,624,000 | 48,547,000 | 48,346,000 | 47,888,000 |
| Total loans | 9,296,000 | 9,928,000 | 10,338,000 | 10,451,000 |
| Allowance for loan losses | 230,000 | 230,000 | 230,000 | 229,000 |
| Securities available for sale | 34,834,000 | 31,304,000 | 24,207,000 | 20,182,000 |
| Securities held to maturity | 0 | 0 | 9,999,000 | 14,580,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,405,000 | 32,262,000 | 32,671,000 | 32,401,000 |
| Interest-bearing deposits | 30,328,000 | 31,160,000 | 31,302,000 | 30,985,000 |
| Noninterest-bearing deposits | 1,077,000 | 1,102,000 | 1,369,000 | 1,416,000 |
| Equity capital | 6,613,000 | 7,373,000 | 7,782,000 | 7,747,000 |
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 | 797,000 | 1,578,000 | 2,268,000 | 2,945,000 |
| Interest expense | 379,000 | 746,000 | 1,093,000 | 1,413,000 |
| Net interest income | 418,000 | 832,000 | 1,175,000 | 1,532,000 |
| Noninterest income | 15,000 | 29,000 | 46,000 | 65,000 |
| Noninterest expense | 119,000 | 221,000 | 368,000 | 595,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 314,000 | 642,000 | 855,000 | 999,000 |
| Income tax | 85,000 | 227,000 | 292,000 | 368,000 |
| Net income | 242,000 | 541,000 | 755,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,723,000 | 6,873,000 | 7,085,000 | 7,210,000 |
| Total capital | 6,953,000 | 7,103,000 | 7,315,000 | 7,439,000 |
| Risk-weighted assets | 20,328,000 | 20,973,000 | 21,884,000 | 21,857,000 |