Call reports 2009
COMMERCIAL STATE BANK — 2009
What COMMERCIAL STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 389,899,000 | 392,547,000 | 389,120,000 | 390,302,000 |
| Total loans | 313,256,000 | 300,708,000 | 309,540,000 | 299,414,000 |
| Allowance for loan losses | 3,928,000 | 4,139,000 | 4,792,000 | 2,790,000 |
| Securities available for sale | 22,049,000 | 19,892,000 | 21,065,000 | 20,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,722,000 | 362,328,000 | 358,184,000 | 359,357,000 |
| Interest-bearing deposits | 268,725,000 | 278,024,000 | 281,767,000 | 277,081,000 |
| Noninterest-bearing deposits | 91,997,000 | 84,304,000 | 76,417,000 | 82,276,000 |
| Equity capital | 28,426,000 | 29,278,000 | 30,088,000 | 30,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,730,000 | 11,419,000 | 17,023,000 | 22,646,000 |
| Interest expense | 1,619,000 | 3,181,000 | 4,616,000 | 5,943,000 |
| Net interest income | 4,111,000 | 8,238,000 | 12,407,000 | 16,703,000 |
| Noninterest income | 461,000 | 1,167,000 | 1,701,000 | 1,720,000 |
| Noninterest expense | 2,908,000 | 6,096,000 | 9,109,000 | 12,077,000 |
| Provision for loan losses | 825,000 | 1,680,000 | 2,965,000 | 3,830,000 |
| Pretax income | 839,000 | 1,629,000 | 2,034,000 | 2,516,000 |
| Income tax | 820,000 | 820,000 | 820,000 | 996,000 |
| Net income | 19,000 | 809,000 | 1,214,000 | 1,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,640,000 | 28,163,000 | 28,569,000 | 29,384,000 |
| Total capital | 31,568,000 | 32,167,000 | 32,682,000 | 32,174,000 |
| Risk-weighted assets | 330,621,000 | 320,158,000 | 328,338,000 | 320,022,000 |
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