Call reports 2009
COMMERCIAL STATE BANK — 2009
What COMMERCIAL STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 142,456,000 | 138,492,000 | 132,260,000 | 133,194,000 |
| Total loans | 90,066,000 | 86,868,000 | 77,466,000 | 70,803,000 |
| Allowance for loan losses | 1,704,000 | 1,941,000 | 1,686,000 | 1,513,000 |
| Securities available for sale | 26,843,000 | 31,924,000 | 30,860,000 | 36,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,968,000 | 127,165,000 | 120,988,000 | 122,269,000 |
| Interest-bearing deposits | 99,371,000 | 96,602,000 | 91,884,000 | 91,447,000 |
| Noninterest-bearing deposits | 31,597,000 | 30,563,000 | 29,105,000 | 30,822,000 |
| Equity capital | 9,566,000 | 9,726,000 | 9,877,000 | 9,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,934,000 | 3,735,000 | 5,504,000 | 7,128,000 |
| Interest expense | 521,000 | 981,000 | 1,380,000 | 1,729,000 |
| Net interest income | 1,413,000 | 2,754,000 | 4,124,000 | 5,399,000 |
| Noninterest income | 189,000 | 463,000 | 682,000 | 820,000 |
| Noninterest expense | 1,613,000 | 3,221,000 | 4,810,000 | 6,344,000 |
| Provision for loan losses | 1,314,000 | 1,619,000 | 2,469,000 | 2,994,000 |
| Pretax income | -798,000 | -1,096,000 | -1,946,000 | -2,592,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -798,000 | -1,096,000 | -1,946,000 | -2,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,502,000 | 10,205,000 | 9,655,000 | 9,609,000 |
| Total capital | 10,703,000 | 11,392,000 | 10,728,000 | 10,570,000 |
| Risk-weighted assets | 95,538,000 | 94,175,000 | 85,265,000 | 76,314,000 |
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