Call reports 2010
COMMERCIAL STATE BANK — 2010
What COMMERCIAL STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 379,883,000 | 382,379,000 | 391,796,000 | 410,153,000 |
| Total loans | 295,262,000 | 285,657,000 | 267,951,000 | 261,809,000 |
| Allowance for loan losses | 3,538,000 | 3,374,000 | 3,150,000 | 2,511,000 |
| Securities available for sale | 21,256,000 | 20,585,000 | 20,388,000 | 21,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,213,000 | 348,705,000 | 356,857,000 | 375,040,000 |
| Interest-bearing deposits | 268,293,000 | 268,792,000 | 273,266,000 | 277,505,000 |
| Noninterest-bearing deposits | 78,920,000 | 79,913,000 | 83,591,000 | 97,535,000 |
| Equity capital | 32,057,000 | 32,906,000 | 33,953,000 | 34,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,348,000 | 10,653,000 | 15,659,000 | 20,682,000 |
| Interest expense | 1,165,000 | 2,219,000 | 3,252,000 | 4,222,000 |
| Net interest income | 4,183,000 | 8,434,000 | 12,407,000 | 16,460,000 |
| Noninterest income | 525,000 | 1,122,000 | 1,667,000 | 2,228,000 |
| Noninterest expense | 3,029,000 | 6,252,000 | 9,392,000 | 12,518,000 |
| Provision for loan losses | 290,000 | 525,000 | 675,000 | 825,000 |
| Pretax income | 1,389,000 | 2,779,000 | 4,021,000 | 5,359,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,389,000 | 2,779,000 | 4,021,000 | 5,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,774,000 | 31,595,000 | 32,477,000 | 33,814,000 |
| Total capital | 34,312,000 | 34,969,000 | 35,627,000 | 36,325,000 |
| Risk-weighted assets | 314,766,000 | 305,958,000 | 289,155,000 | 290,411,000 |
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