Call reports 2003
COMMERCIAL STATE BANK — 2003
What COMMERCIAL STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 48,535,000 | 48,136,000 | 47,838,000 | 49,912,000 |
| Total loans | 33,156,000 | 33,076,000 | 30,752,000 | 31,460,000 |
| Allowance for loan losses | 927,000 | 853,000 | 880,000 | 868,000 |
| Securities available for sale | 9,560,000 | 9,191,000 | 12,203,000 | 15,079,000 |
| Securities held to maturity | 1,481,000 | 1,836,000 | 1,891,000 | 2,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,162,000 | 42,753,000 | 42,494,000 | 43,850,000 |
| Interest-bearing deposits | 40,334,000 | 40,257,000 | 39,623,000 | 40,587,000 |
| Noninterest-bearing deposits | 2,828,000 | 2,496,000 | 2,871,000 | 3,263,000 |
| Equity capital | 5,173,000 | 5,155,000 | 5,083,000 | 5,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 738,000 | 1,456,000 | 2,151,000 | 2,870,000 |
| Interest expense | 296,000 | 575,000 | 851,000 | 1,119,000 |
| Net interest income | 442,000 | 881,000 | 1,300,000 | 1,751,000 |
| Noninterest income | 76,000 | 164,000 | 239,000 | 372,000 |
| Noninterest expense | 280,000 | 563,000 | 833,000 | 1,099,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 125,000 |
| Pretax income | 215,000 | 437,000 | 638,000 | 899,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 20,000 |
| Net income | 210,000 | 427,000 | 623,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,964,000 | 4,924,000 | 4,992,000 | 5,249,000 |
| Total capital | 5,403,000 | 5,358,000 | 5,409,000 | 5,676,000 |
| Risk-weighted assets | 34,668,000 | 34,337,000 | 32,859,000 | 33,685,000 |