Call reports 2008
COMMERCIAL STATE BANK — 2008
What COMMERCIAL STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 57,329,000 | 55,507,000 | 58,365,000 | 61,093,000 |
| Total loans | 43,167,000 | 44,208,000 | 45,955,000 | 49,752,000 |
| Allowance for loan losses | 661,000 | 655,000 | 657,000 | 675,000 |
| Securities available for sale | 4,836,000 | 4,001,000 | 3,994,000 | 4,801,000 |
| Securities held to maturity | 2,586,000 | 2,645,000 | 2,741,000 | 2,566,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,642,000 | 48,535,000 | 51,238,000 | 51,489,000 |
| Interest-bearing deposits | 46,007,000 | 43,551,000 | 44,836,000 | 45,050,000 |
| Noninterest-bearing deposits | 4,635,000 | 4,984,000 | 6,402,000 | 6,439,000 |
| Equity capital | 6,377,000 | 6,464,000 | 6,587,000 | 6,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 1,871,000 | 2,761,000 | 3,689,000 |
| Interest expense | 451,000 | 809,000 | 1,113,000 | 1,434,000 |
| Net interest income | 461,000 | 1,062,000 | 1,648,000 | 2,255,000 |
| Noninterest income | 82,000 | 180,000 | 259,000 | 350,000 |
| Noninterest expense | 397,000 | 798,000 | 1,211,000 | 1,668,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 146,000 | 444,000 | 696,000 | 917,000 |
| Income tax | 6,000 | 11,000 | 17,000 | 24,000 |
| Net income | 140,000 | 433,000 | 679,000 | 893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,269,000 | 6,434,000 | 6,552,000 | 6,766,000 |
| Total capital | 6,845,000 | 7,004,000 | 7,149,000 | 7,403,000 |
| Risk-weighted assets | 45,992,000 | 45,512,000 | 47,677,000 | 50,942,000 |
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