Call reports 2011
COMMERCIAL STATE BANK — 2011
What COMMERCIAL STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 397,823,000 | 398,212,000 | 411,058,000 | 419,347,000 |
| Total loans | 250,631,000 | 260,986,000 | 264,882,000 | 267,095,000 |
| Allowance for loan losses | 2,350,000 | 2,773,000 | 3,169,000 | 3,123,000 |
| Securities available for sale | 28,678,000 | 35,103,000 | 28,372,000 | 35,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,126,000 | 360,920,000 | 372,561,000 | 379,692,000 |
| Interest-bearing deposits | 256,405,000 | 253,160,000 | 251,744,000 | 253,100,000 |
| Noninterest-bearing deposits | 105,721,000 | 107,760,000 | 120,817,000 | 126,592,000 |
| Equity capital | 34,896,000 | 36,394,000 | 37,449,000 | 39,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,943,000 | 10,180,000 | 15,564,000 | 20,917,000 |
| Interest expense | 782,000 | 1,439,000 | 2,038,000 | 2,595,000 |
| Net interest income | 4,161,000 | 8,741,000 | 13,526,000 | 18,322,000 |
| Noninterest income | 333,000 | 1,001,000 | 1,653,000 | 2,478,000 |
| Noninterest expense | 3,177,000 | 6,524,000 | 9,736,000 | 13,221,000 |
| Provision for loan losses | 115,000 | 540,000 | 1,300,000 | 1,500,000 |
| Pretax income | 1,202,000 | 2,678,000 | 4,143,000 | 6,079,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,202,000 | 2,678,000 | 4,143,000 | 6,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,146,000 | 34,973,000 | 35,621,000 | 37,316,000 |
| Total capital | 36,496,000 | 37,746,000 | 38,790,000 | 40,439,000 |
| Risk-weighted assets | 281,862,000 | 288,250,000 | 295,136,000 | 298,480,000 |