Call reports 2006
COMMERCIAL STATE BANK — 2006
What COMMERCIAL STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 196,525,000 | 215,960,000 | 234,378,000 | 247,670,000 |
| Total loans | 151,757,000 | 164,647,000 | 176,787,000 | 182,869,000 |
| Allowance for loan losses | 2,032,000 | 2,302,000 | 2,744,000 | 2,425,000 |
| Securities available for sale | 16,430,000 | 16,103,000 | 17,320,000 | 17,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,351,000 | 199,615,000 | 216,314,000 | 229,364,000 |
| Interest-bearing deposits | 135,438,000 | 144,220,000 | 153,705,000 | 166,235,000 |
| Noninterest-bearing deposits | 45,913,000 | 55,395,000 | 62,609,000 | 63,129,000 |
| Equity capital | 14,356,000 | 15,558,000 | 17,001,000 | 17,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,304,000 | 9,002,000 | 14,327,000 | 19,754,000 |
| Interest expense | 1,201,000 | 2,505,000 | 4,086,000 | 5,903,000 |
| Net interest income | 3,103,000 | 6,497,000 | 10,241,000 | 13,851,000 |
| Noninterest income | 359,000 | 762,000 | 1,123,000 | 1,378,000 |
| Noninterest expense | 1,603,000 | 3,283,000 | 5,165,000 | 7,230,000 |
| Provision for loan losses | 325,000 | 775,000 | 1,250,000 | 1,805,000 |
| Pretax income | 1,534,000 | 3,201,000 | 4,949,000 | 6,194,000 |
| Income tax | 690,000 | 1,030,000 | 1,618,000 | 2,005,000 |
| Net income | 844,000 | 2,171,000 | 3,331,000 | 4,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,349,000 | 15,677,000 | 16,837,000 | 17,545,000 |
| Total capital | 16,381,000 | 17,912,000 | 19,212,000 | 19,970,000 |
| Risk-weighted assets | 163,881,000 | 178,723,000 | 189,615,000 | 198,318,000 |