Call reports 2007
COMMERCIAL STATE BANK — 2007
What COMMERCIAL STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 266,001,000 | 285,002,000 | 290,451,000 | 299,392,000 |
| Total loans | 192,791,000 | 232,092,000 | 235,389,000 | 245,606,000 |
| Allowance for loan losses | 2,044,000 | 2,377,000 | 2,727,000 | 2,797,000 |
| Securities available for sale | 19,233,000 | 19,808,000 | 20,902,000 | 21,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,892,000 | 263,333,000 | 267,230,000 | 275,046,000 |
| Interest-bearing deposits | 181,562,000 | 192,015,000 | 199,177,000 | 206,700,000 |
| Noninterest-bearing deposits | 64,330,000 | 71,318,000 | 68,053,000 | 68,346,000 |
| Equity capital | 18,799,000 | 20,104,000 | 21,999,000 | 23,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,663,000 | 12,138,000 | 18,986,000 | 25,679,000 |
| Interest expense | 1,937,000 | 4,056,000 | 6,400,000 | 8,725,000 |
| Net interest income | 3,726,000 | 8,082,000 | 12,586,000 | 16,954,000 |
| Noninterest income | 360,000 | 826,000 | 1,441,000 | 1,907,000 |
| Noninterest expense | 2,024,000 | 3,970,000 | 6,125,000 | 8,501,000 |
| Provision for loan losses | 225,000 | 625,000 | 925,000 | 1,075,000 |
| Pretax income | 1,837,000 | 4,313,000 | 6,977,000 | 9,285,000 |
| Income tax | 645,000 | 1,520,000 | 2,345,000 | 3,107,000 |
| Net income | 1,192,000 | 2,793,000 | 4,632,000 | 6,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,537,000 | 20,037,000 | 21,811,000 | 23,207,000 |
| Total capital | 20,581,000 | 22,414,000 | 24,538,000 | 26,004,000 |
| Risk-weighted assets | 210,221,000 | 248,066,000 | 248,597,000 | 258,615,000 |