Call reports 2007
COMMERCIAL STATE BANK — 2007
What COMMERCIAL STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 51,992,000 | 52,738,000 | 53,578,000 | 56,369,000 |
| Total loans | 37,660,000 | 39,529,000 | 39,275,000 | 42,204,000 |
| Allowance for loan losses | 628,000 | 652,000 | 656,000 | 661,000 |
| Securities available for sale | 9,229,000 | 9,147,000 | 9,050,000 | 8,358,000 |
| Securities held to maturity | 2,602,000 | 2,506,000 | 2,496,000 | 2,356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,646,000 | 45,897,000 | 45,467,000 | 48,405,000 |
| Interest-bearing deposits | 42,585,000 | 42,802,000 | 42,276,000 | 44,342,000 |
| Noninterest-bearing deposits | 3,061,000 | 3,095,000 | 3,191,000 | 4,063,000 |
| Equity capital | 6,018,000 | 5,913,000 | 6,104,000 | 6,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 869,000 | 1,768,000 | 2,692,000 | 3,652,000 |
| Interest expense | 441,000 | 910,000 | 1,374,000 | 1,858,000 |
| Net interest income | 428,000 | 858,000 | 1,318,000 | 1,794,000 |
| Noninterest income | 50,000 | 123,000 | 190,000 | 259,000 |
| Noninterest expense | 289,000 | 580,000 | 897,000 | 1,279,000 |
| Provision for loan losses | 15,000 | 38,000 | 53,000 | 53,000 |
| Pretax income | 174,000 | 363,000 | 558,000 | 721,000 |
| Income tax | 5,000 | 11,000 | 16,000 | 22,000 |
| Net income | 169,000 | 352,000 | 542,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,149,000 | 6,104,000 | 6,167,000 | 6,325,000 |
| Total capital | 6,641,000 | 6,614,000 | 6,687,000 | 6,867,000 |
| Risk-weighted assets | 39,244,000 | 40,688,000 | 41,436,000 | 43,414,000 |