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 | 11,353,000 | 12,605,000 | 13,406,000 | 16,574,000 |
| Total loans | 6,114,000 | 6,724,000 | 7,266,000 | 8,069,000 |
| Allowance for loan losses | 60,000 | 60,000 | 64,000 | 67,000 |
| Securities available for sale | 2,897,000 | 3,094,000 | 3,653,000 | 4,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,370,000 | 11,145,000 | 11,921,000 | 15,052,000 |
| Interest-bearing deposits | 7,560,000 | 7,906,000 | 7,946,000 | 7,298,000 |
| Noninterest-bearing deposits | 1,810,000 | 3,239,000 | 3,975,000 | 7,754,000 |
| Equity capital | 1,350,000 | 1,351,000 | 1,383,000 | 1,403,000 |
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 | 143,000 | 279,000 | 428,000 | 587,000 |
| Interest expense | 45,000 | 91,000 | 134,000 | 175,000 |
| Net interest income | 98,000 | 188,000 | 294,000 | 412,000 |
| Noninterest income | 23,000 | 51,000 | 81,000 | 104,000 |
| Noninterest expense | 107,000 | 229,000 | 344,000 | 467,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 8,000 |
| Pretax income | 14,000 | 10,000 | 27,000 | 41,000 |
| Income tax | 5,000 | 2,000 | 7,000 | 8,000 |
| Net income | 9,000 | 8,000 | 20,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,339,000 | 1,337,000 | 1,348,000 | 1,361,000 |
| Total capital | 1,399,000 | 1,397,000 | 1,412,000 | 1,428,000 |
| Risk-weighted assets | 7,040,000 | 7,999,000 | 8,470,000 | 9,784,000 |
Machine access — free, no API key
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