Call reports 2004
COMMERCIAL STATE BANK — 2004
What COMMERCIAL STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 50,206,000 | 50,990,000 | 50,878,000 | 51,074,000 |
| Total loans | 31,728,000 | 34,545,000 | 34,013,000 | 35,567,000 |
| Allowance for loan losses | 775,000 | 804,000 | 721,000 | 680,000 |
| Securities available for sale | 14,876,000 | 12,749,000 | 12,609,000 | 10,969,000 |
| Securities held to maturity | 2,120,000 | 2,197,000 | 2,327,000 | 2,524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,784,000 | 44,237,000 | 44,223,000 | 44,537,000 |
| Interest-bearing deposits | 40,672,000 | 41,547,000 | 41,412,000 | 40,742,000 |
| Noninterest-bearing deposits | 3,112,000 | 2,690,000 | 2,811,000 | 3,795,000 |
| Equity capital | 5,549,000 | 5,153,000 | 5,548,000 | 5,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 708,000 | 1,425,000 | 2,156,000 | 2,883,000 |
| Interest expense | 251,000 | 500,000 | 756,000 | 1,010,000 |
| Net interest income | 457,000 | 925,000 | 1,402,000 | 1,873,000 |
| Noninterest income | 77,000 | 191,000 | 281,000 | 358,000 |
| Noninterest expense | 287,000 | 588,000 | 872,000 | 1,159,000 |
| Provision for loan losses | 30,000 | 60,000 | 95,000 | 205,000 |
| Pretax income | 229,000 | 477,000 | 723,000 | 876,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 21,000 |
| Net income | 224,000 | 467,000 | 708,000 | 855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,344,000 | 5,332,000 | 5,508,000 | 5,656,000 |
| Total capital | 5,769,000 | 5,758,000 | 5,958,000 | 6,119,000 |
| Risk-weighted assets | 33,624,000 | 33,682,000 | 35,749,000 | 36,833,000 |