Call reports 2006
COMMERCIAL STATE BANK — 2006
What COMMERCIAL STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 50,109,000 | 50,758,000 | 51,130,000 | 52,718,000 |
| Total loans | 37,669,000 | 38,785,000 | 38,532,000 | 37,479,000 |
| Allowance for loan losses | 700,000 | 641,000 | 638,000 | 645,000 |
| Securities available for sale | 8,265,000 | 8,166,000 | 8,261,000 | 9,105,000 |
| Securities held to maturity | 2,621,000 | 2,592,000 | 2,582,000 | 2,486,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,380,000 | 44,125,000 | 43,697,000 | 46,518,000 |
| Interest-bearing deposits | 41,139,000 | 41,131,000 | 40,444,000 | 42,360,000 |
| Noninterest-bearing deposits | 3,241,000 | 2,994,000 | 3,253,000 | 4,158,000 |
| Equity capital | 5,461,000 | 5,508,000 | 5,701,000 | 5,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,649,000 | 2,507,000 | 3,379,000 |
| Interest expense | 323,000 | 684,000 | 1,096,000 | 1,541,000 |
| Net interest income | 473,000 | 965,000 | 1,411,000 | 1,838,000 |
| Noninterest income | 82,000 | 253,000 | 317,000 | 379,000 |
| Noninterest expense | 315,000 | 625,000 | 909,000 | 1,197,000 |
| Provision for loan losses | 75,000 | 175,000 | 200,000 | 200,000 |
| Pretax income | 165,000 | 418,000 | 619,000 | 820,000 |
| Income tax | 5,000 | 11,000 | 16,000 | 21,000 |
| Net income | 160,000 | 407,000 | 603,000 | 799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,726,000 | 5,845,000 | 5,912,000 | 6,110,000 |
| Total capital | 6,206,000 | 6,335,000 | 6,400,000 | 6,595,000 |
| Risk-weighted assets | 38,169,000 | 39,049,000 | 38,901,000 | 38,639,000 |
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