Call reports 2002
COMMERCIAL STATE BANK OF WATERLOO — 2002
What COMMERCIAL STATE BANK OF WATERLOO 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 | 78,153,000 | 85,125,000 | 87,693,000 | 86,924,000 |
| Total loans | 42,902,000 | 43,468,000 | 44,478,000 | 41,843,000 |
| Allowance for loan losses | 532,000 | 522,000 | 533,000 | 537,000 |
| Securities available for sale | 21,233,000 | 24,877,000 | 26,518,000 | 23,344,000 |
| Securities held to maturity | 9,101,000 | 11,672,000 | 11,027,000 | 15,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,768,000 | 75,737,000 | 77,008,000 | 77,403,000 |
| Interest-bearing deposits | 60,410,000 | 67,534,000 | 69,127,000 | 67,597,000 |
| Noninterest-bearing deposits | 9,358,000 | 8,203,000 | 7,881,000 | 9,806,000 |
| Equity capital | 7,013,000 | 7,420,000 | 7,787,000 | 8,039,000 |
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 | 1,265,000 | 2,532,000 | 3,845,000 | 5,146,000 |
| Interest expense | 590,000 | 1,161,000 | 1,738,000 | 2,277,000 |
| Net interest income | 675,000 | 1,371,000 | 2,107,000 | 2,869,000 |
| Noninterest income | 92,000 | 215,000 | 333,000 | 498,000 |
| Noninterest expense | 498,000 | 986,000 | 1,527,000 | 2,055,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 254,000 | 570,000 | 898,000 | 1,282,000 |
| Income tax | 80,000 | 182,000 | 280,000 | 398,000 |
| Net income | 174,000 | 388,000 | 618,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,014,000 | 7,137,000 | 7,367,000 | 7,489,000 |
| Total capital | 7,546,000 | 7,659,000 | 7,900,000 | 8,026,000 |
| Risk-weighted assets | 45,882,000 | 48,608,000 | 50,770,000 | 51,510,000 |