Call reports 2005
COMMERCIAL STATE BANK — 2005
What COMMERCIAL STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 50,768,000 | 51,574,000 | 52,319,000 | 52,587,000 |
| Total loans | 34,466,000 | 37,422,000 | 38,707,000 | 39,011,000 |
| Allowance for loan losses | 764,000 | 675,000 | 716,000 | 662,000 |
| Securities available for sale | 10,552,000 | 9,840,000 | 8,969,000 | 8,420,000 |
| Securities held to maturity | 2,638,000 | 2,737,000 | 2,728,000 | 2,621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,072,000 | 44,952,000 | 44,365,000 | 45,726,000 |
| Interest-bearing deposits | 41,840,000 | 40,858,000 | 41,111,000 | 40,898,000 |
| Noninterest-bearing deposits | 3,232,000 | 4,094,000 | 3,254,000 | 4,828,000 |
| Equity capital | 5,487,000 | 5,468,000 | 5,462,000 | 5,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 697,000 | 1,443,000 | 2,228,000 | 3,051,000 |
| Interest expense | 257,000 | 530,000 | 822,000 | 1,150,000 |
| Net interest income | 440,000 | 913,000 | 1,406,000 | 1,901,000 |
| Noninterest income | 58,000 | 55,000 | 141,000 | 215,000 |
| Noninterest expense | 289,000 | 576,000 | 887,000 | 1,187,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 134,000 | 242,000 | 435,000 | 628,000 |
| Income tax | 5,000 | 10,000 | 16,000 | 21,000 |
| Net income | 129,000 | 232,000 | 419,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,691,000 | 5,537,000 | 5,596,000 | 5,784,000 |
| Total capital | 6,149,000 | 6,020,000 | 6,094,000 | 6,287,000 |
| Risk-weighted assets | 36,322,000 | 38,460,000 | 39,648,000 | 40,107,000 |