Call reports 2004
COMMERCIAL STATE BANK — 2004
What COMMERCIAL STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 98,020,000 | 104,980,000 | 113,464,000 | 135,763,000 |
| Total loans | 68,976,000 | 76,643,000 | 80,689,000 | 88,312,000 |
| Allowance for loan losses | 719,000 | 826,000 | 944,000 | 1,030,000 |
| Securities available for sale | 10,867,000 | 12,074,000 | 12,059,000 | 13,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,291,000 | 95,008,000 | 102,770,000 | 124,323,000 |
| Interest-bearing deposits | 71,332,000 | 77,581,000 | 83,744,000 | 99,430,000 |
| Noninterest-bearing deposits | 16,959,000 | 17,427,000 | 19,026,000 | 24,893,000 |
| Equity capital | 9,548,000 | 9,661,000 | 10,134,000 | 10,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,411,000 | 3,044,000 | 4,921,000 | 7,062,000 |
| Interest expense | 368,000 | 758,000 | 1,197,000 | 1,710,000 |
| Net interest income | 1,043,000 | 2,286,000 | 3,724,000 | 5,352,000 |
| Noninterest income | 175,000 | 334,000 | 507,000 | 705,000 |
| Noninterest expense | 832,000 | 1,705,000 | 2,692,000 | 3,787,000 |
| Provision for loan losses | 40,000 | 155,000 | 295,000 | 380,000 |
| Pretax income | 346,000 | 760,000 | 1,244,000 | 1,890,000 |
| Income tax | 96,000 | 231,000 | 386,000 | 579,000 |
| Net income | 250,000 | 529,000 | 858,000 | 1,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,194,000 | 9,535,000 | 9,899,000 | 10,201,000 |
| Total capital | 9,913,000 | 10,361,000 | 10,843,000 | 11,231,000 |
| Risk-weighted assets | 75,997,000 | 84,412,000 | 90,516,000 | 102,593,000 |