Call reports 2001
COMMERCIAL STATE BANK — 2001
What COMMERCIAL STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 29,072,000 | 31,878,000 | 37,074,000 | 44,128,000 |
| Total loans | 16,409,000 | 21,268,000 | 26,343,000 | 30,967,000 |
| Allowance for loan losses | 349,000 | 364,000 | 386,000 | 430,000 |
| Securities available for sale | 5,098,000 | 4,468,000 | 4,665,000 | 4,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,398,000 | 29,176,000 | 34,087,000 | 40,627,000 |
| Interest-bearing deposits | 20,023,000 | 22,118,000 | 26,525,000 | 31,868,000 |
| Noninterest-bearing deposits | 6,375,000 | 7,057,000 | 7,562,000 | 8,759,000 |
| Equity capital | 2,584,000 | 2,600,000 | 2,841,000 | 3,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 531,000 | 1,124,000 | 1,813,000 | 2,534,000 |
| Interest expense | 198,000 | 396,000 | 620,000 | 857,000 |
| Net interest income | 333,000 | 728,000 | 1,193,000 | 1,677,000 |
| Noninterest income | 93,000 | 146,000 | 228,000 | 309,000 |
| Noninterest expense | 386,000 | 779,000 | 1,217,000 | 1,684,000 |
| Provision for loan losses | 70,000 | 125,000 | 133,000 | 168,000 |
| Pretax income | 31,000 | 32,000 | 142,000 | 207,000 |
| Income tax | 0 | 0 | 0 | -504,000 |
| Net income | 31,000 | 32,000 | 142,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,124,000 | 2,135,000 | 2,358,000 | 2,383,000 |
| Total capital | 2,360,000 | 2,416,000 | 2,692,000 | 2,785,000 |
| Risk-weighted assets | 18,441,000 | 22,411,000 | 26,625,000 | 32,218,000 |