Call reports 2001
COMMERCIAL STATE BANK — 2001
What COMMERCIAL STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 28,193,000 | 29,267,000 | 29,839,000 | 31,018,000 |
| Total loans | 14,979,000 | 17,221,000 | 17,991,000 | 16,663,000 |
| Allowance for loan losses | 481,000 | 481,000 | 452,000 | 459,000 |
| Securities available for sale | 7,482,000 | 7,856,000 | 7,634,000 | 7,672,000 |
| Securities held to maturity | 1,686,000 | 1,592,000 | 1,446,000 | 1,616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,393,000 | 24,418,000 | 24,986,000 | 27,125,000 |
| Interest-bearing deposits | 22,737,000 | 22,120,000 | 22,423,000 | 24,028,000 |
| Noninterest-bearing deposits | 1,656,000 | 2,298,000 | 2,563,000 | 3,097,000 |
| Equity capital | 3,577,000 | 3,672,000 | 3,814,000 | 3,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 517,000 | 1,043,000 | 1,588,000 | 2,103,000 |
| Interest expense | 263,000 | 533,000 | 822,000 | 1,053,000 |
| Net interest income | 254,000 | 510,000 | 766,000 | 1,050,000 |
| Noninterest income | 56,000 | 117,000 | 166,000 | 201,000 |
| Noninterest expense | 190,000 | 381,000 | 606,000 | 848,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 306,000 | 432,000 | 521,000 | 592,000 |
| Income tax | 105,000 | 140,000 | 171,000 | 205,000 |
| Net income | 201,000 | 292,000 | 350,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,215,000 | 2,329,000 | 2,411,000 | 2,471,000 |
| Total capital | 2,385,000 | 2,532,000 | 2,629,000 | 2,721,000 |
| Risk-weighted assets | 13,257,000 | 15,951,000 | 17,181,000 | 19,824,000 |