Call reports 2010
COMMERCIAL STATE BANK — 2010
What COMMERCIAL STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 67,833,000 | 67,708,000 | 70,068,000 | 70,447,000 |
| Total loans | 56,945,000 | 59,026,000 | 59,201,000 | 57,666,000 |
| Allowance for loan losses | 828,000 | 858,000 | 908,000 | 970,000 |
| Securities available for sale | 3,024,000 | 1,985,000 | 2,186,000 | 2,924,000 |
| Securities held to maturity | 2,266,000 | 2,126,000 | 2,111,000 | 2,072,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,138,000 | 58,859,000 | 60,951,000 | 61,246,000 |
| Interest-bearing deposits | 53,951,000 | 54,312,000 | 56,326,000 | 56,434,000 |
| Noninterest-bearing deposits | 5,187,000 | 4,547,000 | 4,625,000 | 4,812,000 |
| Equity capital | 7,235,000 | 7,346,000 | 7,503,000 | 7,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 904,000 | 1,879,000 | 2,864,000 | 3,808,000 |
| Interest expense | 275,000 | 537,000 | 781,000 | 1,015,000 |
| Net interest income | 629,000 | 1,342,000 | 2,083,000 | 2,793,000 |
| Noninterest income | 103,000 | 208,000 | 305,000 | 417,000 |
| Noninterest expense | 442,000 | 965,000 | 1,455,000 | 1,940,000 |
| Provision for loan losses | 45,000 | 90,000 | 140,000 | 200,000 |
| Pretax income | 245,000 | 495,000 | 793,000 | 1,070,000 |
| Income tax | 7,000 | 13,000 | 20,000 | 28,000 |
| Net income | 238,000 | 482,000 | 773,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,214,000 | 7,329,000 | 7,492,000 | 7,761,000 |
| Total capital | 7,963,000 | 8,093,000 | 8,249,000 | 8,508,000 |
| Risk-weighted assets | 59,874,000 | 61,014,000 | 60,441,000 | 59,503,000 |