Call reports 2003
COMMERCIAL STATE BANK — 2003
What COMMERCIAL STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 79,812,000 | 81,666,000 | 88,191,000 | 93,106,000 |
| Total loans | 57,902,000 | 59,686,000 | 64,777,000 | 58,843,000 |
| Allowance for loan losses | 715,000 | 833,000 | 765,000 | 690,000 |
| Securities available for sale | 5,064,000 | 5,962,000 | 6,978,000 | 10,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,428,000 | 75,947,000 | 82,430,000 | 83,735,000 |
| Interest-bearing deposits | 61,210,000 | 63,924,000 | 67,381,000 | 67,762,000 |
| Noninterest-bearing deposits | 13,218,000 | 12,023,000 | 15,049,000 | 15,973,000 |
| Equity capital | 5,088,000 | 5,313,000 | 5,522,000 | 9,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,191,000 | 2,450,000 | 3,766,000 | 5,116,000 |
| Interest expense | 358,000 | 745,000 | 1,120,000 | 1,496,000 |
| Net interest income | 833,000 | 1,705,000 | 2,646,000 | 3,620,000 |
| Noninterest income | 177,000 | 361,000 | 561,000 | 727,000 |
| Noninterest expense | 670,000 | 1,368,000 | 2,109,000 | 2,853,000 |
| Provision for loan losses | 130,000 | 225,000 | 370,000 | 633,000 |
| Pretax income | 210,000 | 473,000 | 728,000 | 861,000 |
| Income tax | 65,000 | 146,000 | 213,000 | 259,000 |
| Net income | 145,000 | 327,000 | 515,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,440,000 | 4,671,000 | 5,201,000 | 8,944,000 |
| Total capital | 5,155,000 | 5,471,000 | 5,966,000 | 9,634,000 |
| Risk-weighted assets | 62,032,000 | 64,004,000 | 69,253,000 | 66,125,000 |