Call reports 2007
COMMERCIAL STATE BANK — 2007
What COMMERCIAL STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 9,410,000 | 8,954,000 | 9,985,000 | 11,368,000 |
| Total loans | 6,047,000 | 6,010,000 | 6,703,000 | 6,936,000 |
| Allowance for loan losses | 86,000 | 85,000 | 85,000 | 60,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,455,000 | 2,355,000 | 2,125,000 | 2,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,931,000 | 6,279,000 | 7,874,000 | 9,246,000 |
| Interest-bearing deposits | 5,141,000 | 5,154,000 | 6,405,000 | 6,138,000 |
| Noninterest-bearing deposits | 1,790,000 | 1,124,000 | 1,469,000 | 3,108,000 |
| Equity capital | 1,300,000 | 1,293,000 | 1,275,000 | 1,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 143,000 | 284,000 | 430,000 | 598,000 |
| Interest expense | 35,000 | 92,000 | 147,000 | 199,000 |
| Net interest income | 108,000 | 192,000 | 283,000 | 399,000 |
| Noninterest income | 13,000 | 31,000 | 50,000 | 70,000 |
| Noninterest expense | 97,000 | 209,000 | 315,000 | 447,000 |
| Provision for loan losses | 0 | 0 | 0 | -24,000 |
| Pretax income | 24,000 | 14,000 | 18,000 | 46,000 |
| Income tax | 2,000 | -2,000 | 19,000 | 7,000 |
| Net income | 22,000 | 16,000 | -1,000 | 39,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,300,000 | 1,293,000 | 1,275,000 | 1,315,000 |
| Total capital | 1,378,000 | 1,370,000 | 1,360,000 | 1,375,000 |
| Risk-weighted assets | 6,258,000 | 6,139,000 | 6,986,000 | 7,352,000 |
Machine access — free, no API key
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