Call reports 2001
COMMERCIAL STATE BANK — 2001
What COMMERCIAL STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 46,409,000 | 46,083,000 | 46,979,000 | 46,513,000 |
| Total loans | 35,110,000 | 36,351,000 | 36,037,000 | 33,914,000 |
| Allowance for loan losses | 802,000 | 797,000 | 806,000 | 728,000 |
| Securities available for sale | 5,429,000 | 6,681,000 | 7,092,000 | 8,130,000 |
| Securities held to maturity | 1,190,000 | 1,095,000 | 980,000 | 1,138,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,606,000 | 41,206,000 | 41,798,000 | 41,393,000 |
| Interest-bearing deposits | 39,286,000 | 39,092,000 | 39,426,000 | 38,653,000 |
| Noninterest-bearing deposits | 2,320,000 | 2,114,000 | 2,372,000 | 2,740,000 |
| Equity capital | 4,390,000 | 4,490,000 | 4,767,000 | 4,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 965,000 | 1,932,000 | 2,880,000 | 3,702,000 |
| Interest expense | 546,000 | 1,074,000 | 1,560,000 | 2,004,000 |
| Net interest income | 419,000 | 858,000 | 1,320,000 | 1,698,000 |
| Noninterest income | 30,000 | 122,000 | 218,000 | 266,000 |
| Noninterest expense | 215,000 | 429,000 | 702,000 | 942,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 80,000 |
| Pretax income | 219,000 | 521,000 | 791,000 | 942,000 |
| Income tax | 11,000 | 16,000 | 20,000 | 19,000 |
| Net income | 208,000 | 505,000 | 771,000 | 923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,322,000 | 4,419,000 | 4,585,000 | 4,731,000 |
| Total capital | 4,784,000 | 4,890,000 | 5,060,000 | 5,180,000 |
| Risk-weighted assets | 36,630,000 | 37,322,000 | 37,644,000 | 35,651,000 |