Call reports 2011
COMMERCIAL STATE BANK — 2011
What COMMERCIAL STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 16,881,000 | 17,380,000 | 18,317,000 | 24,296,000 |
| Total loans | 7,149,000 | 7,206,000 | 8,391,000 | 10,290,000 |
| Allowance for loan losses | 72,000 | 72,000 | 68,000 | 78,000 |
| Securities available for sale | 5,374,000 | 5,563,000 | 6,028,000 | 4,826,000 |
| Securities held to maturity | 150,000 | 150,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,664,000 | 15,343,000 | 15,888,000 | 21,032,000 |
| Interest-bearing deposits | 11,001,000 | 11,669,000 | 12,065,000 | 11,242,000 |
| Noninterest-bearing deposits | 3,662,000 | 3,674,000 | 3,823,000 | 9,790,000 |
| Equity capital | 1,412,000 | 1,476,000 | 1,491,000 | 1,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 142,000 | 282,000 | 435,000 | 592,000 |
| Interest expense | 35,000 | 69,000 | 105,000 | 138,000 |
| Net interest income | 107,000 | 213,000 | 330,000 | 454,000 |
| Noninterest income | 21,000 | 41,000 | 62,000 | 127,000 |
| Noninterest expense | 117,000 | 231,000 | 352,000 | 474,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 15,000 |
| Pretax income | 9,000 | 21,000 | 38,000 | 92,000 |
| Income tax | -1,000 | 3,000 | 16,000 | 12,000 |
| Net income | 10,000 | 18,000 | 22,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,425,000 | 1,433,000 | 1,436,000 | 1,494,000 |
| Total capital | 1,497,000 | 1,505,000 | 1,504,000 | 1,572,000 |
| Risk-weighted assets | 9,326,000 | 9,334,000 | 10,610,000 | 13,430,000 |