Call reports 2005
COMMERCIAL STATE BANK — 2005
What COMMERCIAL STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 146,665,000 | 158,704,000 | 177,497,000 | 189,921,000 |
| Total loans | 101,906,000 | 120,136,000 | 142,219,000 | 148,645,000 |
| Allowance for loan losses | 1,080,000 | 1,356,000 | 1,572,000 | 1,821,000 |
| Securities available for sale | 15,230,000 | 15,334,000 | 15,918,000 | 15,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,149,000 | 146,428,000 | 164,191,000 | 176,097,000 |
| Interest-bearing deposits | 107,604,000 | 111,287,000 | 124,072,000 | 133,503,000 |
| Noninterest-bearing deposits | 27,545,000 | 35,141,000 | 40,119,000 | 42,594,000 |
| Equity capital | 10,985,000 | 11,800,000 | 12,574,000 | 13,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,450,000 | 5,459,000 | 9,114,000 | 13,137,000 |
| Interest expense | 618,000 | 1,331,000 | 2,212,000 | 3,321,000 |
| Net interest income | 1,832,000 | 4,128,000 | 6,902,000 | 9,816,000 |
| Noninterest income | 254,000 | 496,000 | 782,000 | 1,143,000 |
| Noninterest expense | 1,199,000 | 2,505,000 | 4,011,000 | 5,705,000 |
| Provision for loan losses | 125,000 | 455,000 | 755,000 | 1,080,000 |
| Pretax income | 762,000 | 1,664,000 | 2,918,000 | 4,174,000 |
| Income tax | 237,000 | 528,000 | 964,000 | 1,411,000 |
| Net income | 525,000 | 1,136,000 | 1,954,000 | 2,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,773,000 | 11,679,000 | 12,497,000 | 13,306,000 |
| Total capital | 11,853,000 | 13,035,000 | 14,069,000 | 15,127,000 |
| Risk-weighted assets | 113,244,000 | 130,643,000 | 149,084,000 | 157,777,000 |