Call reports 2009
COMMERCIAL STATE BANK — 2009
What COMMERCIAL STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 63,639,000 | 67,311,000 | 68,727,000 | 68,251,000 |
| Total loans | 53,399,000 | 54,724,000 | 57,451,000 | 57,865,000 |
| Allowance for loan losses | 689,000 | 720,000 | 761,000 | 780,000 |
| Securities available for sale | 3,874,000 | 2,995,000 | 3,057,000 | 3,425,000 |
| Securities held to maturity | 2,537,000 | 2,502,000 | 3,040,000 | 2,266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,339,000 | 58,854,000 | 60,115,000 | 58,479,000 |
| Interest-bearing deposits | 49,631,000 | 53,356,000 | 54,273,000 | 52,932,000 |
| Noninterest-bearing deposits | 4,708,000 | 5,498,000 | 5,842,000 | 5,547,000 |
| Equity capital | 6,953,000 | 6,880,000 | 7,008,000 | 7,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 925,000 | 1,845,000 | 2,816,000 | 3,813,000 |
| Interest expense | 308,000 | 637,000 | 962,000 | 1,269,000 |
| Net interest income | 617,000 | 1,208,000 | 1,854,000 | 2,544,000 |
| Noninterest income | 80,000 | 177,000 | 277,000 | 370,000 |
| Noninterest expense | 413,000 | 889,000 | 1,316,000 | 1,770,000 |
| Provision for loan losses | 30,000 | 70,000 | 115,000 | 160,000 |
| Pretax income | 254,000 | 426,000 | 700,000 | 984,000 |
| Income tax | 5,000 | 11,000 | 17,000 | 27,000 |
| Net income | 249,000 | 415,000 | 683,000 | 957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,887,000 | 6,817,000 | 6,957,000 | 7,231,000 |
| Total capital | 7,570,000 | 7,518,000 | 7,711,000 | 7,992,000 |
| Risk-weighted assets | 54,605,000 | 56,023,000 | 60,312,000 | 60,870,000 |