Call reports 2002
COMMERCIAL STATE BANK OF WAGNER — 2002
What COMMERCIAL STATE BANK OF WAGNER 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 | 93,216,000 | 93,697,000 | 95,939,000 | 96,991,000 |
| Total loans | 44,494,000 | 46,725,000 | 47,236,000 | 48,230,000 |
| Allowance for loan losses | 1,500,000 | 1,500,000 | 1,500,000 | 1,500,000 |
| Securities available for sale | 37,814,000 | 38,449,000 | 39,879,000 | 40,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,297,000 | 76,911,000 | 78,444,000 | 78,573,000 |
| Interest-bearing deposits | 70,714,000 | 71,066,000 | 72,233,000 | 71,740,000 |
| Noninterest-bearing deposits | 5,583,000 | 5,845,000 | 6,211,000 | 6,833,000 |
| Equity capital | 13,590,000 | 14,380,000 | 14,501,000 | 14,866,000 |
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 | 1,648,000 | 3,213,000 | 4,763,000 | 6,341,000 |
| Interest expense | 634,000 | 1,226,000 | 1,788,000 | 2,318,000 |
| Net interest income | 1,014,000 | 1,987,000 | 2,975,000 | 4,023,000 |
| Noninterest income | 100,000 | 199,000 | 291,000 | 495,000 |
| Noninterest expense | 579,000 | 1,189,000 | 1,716,000 | 2,279,000 |
| Provision for loan losses | -50,000 | -134,000 | -145,000 | -88,000 |
| Pretax income | 589,000 | 1,136,000 | 1,700,000 | 2,332,000 |
| Income tax | 163,000 | 312,000 | 466,000 | 611,000 |
| Net income | 426,000 | 824,000 | 1,234,000 | 1,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,201,000 | 13,600,000 | 13,409,000 | 13,896,000 |
| Total capital | 14,005,000 | 14,408,000 | 14,259,000 | 14,728,000 |
| Risk-weighted assets | 63,599,000 | 63,932,000 | 67,417,000 | 65,943,000 |