Call reports 2008
COMMERCIAL STATE BANK — 2008
What COMMERCIAL STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 305,896,000 | 359,200,000 | 394,849,000 | 380,229,000 |
| Total loans | 254,268,000 | 273,668,000 | 289,593,000 | 301,168,000 |
| Allowance for loan losses | 2,988,000 | 3,396,000 | 3,278,000 | 3,254,000 |
| Securities available for sale | 20,490,000 | 19,882,000 | 20,108,000 | 19,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,306,000 | 330,316,000 | 364,185,000 | 349,511,000 |
| Interest-bearing deposits | 194,407,000 | 240,379,000 | 261,949,000 | 254,404,000 |
| Noninterest-bearing deposits | 84,899,000 | 89,937,000 | 102,236,000 | 95,107,000 |
| Equity capital | 24,826,000 | 27,724,000 | 29,174,000 | 30,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,323,000 | 12,640,000 | 19,424,000 | 25,986,000 |
| Interest expense | 2,119,000 | 4,148,000 | 6,213,000 | 8,178,000 |
| Net interest income | 4,204,000 | 8,492,000 | 13,211,000 | 17,808,000 |
| Noninterest income | 532,000 | 1,115,000 | 1,819,000 | 2,218,000 |
| Noninterest expense | 2,441,000 | 5,185,000 | 8,332,000 | 11,568,000 |
| Provision for loan losses | 365,000 | 695,000 | 710,000 | 1,010,000 |
| Pretax income | 1,930,000 | 3,727,000 | 5,988,000 | 7,448,000 |
| Income tax | 695,000 | 1,210,000 | 2,040,000 | 2,620,000 |
| Net income | 1,235,000 | 2,517,000 | 3,948,000 | 4,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,442,000 | 27,260,000 | 28,491,000 | 29,321,000 |
| Total capital | 27,430,000 | 30,656,000 | 31,769,000 | 32,575,000 |
| Risk-weighted assets | 267,817,000 | 295,301,000 | 314,232,000 | 319,598,000 |