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 | 74,569,000 | 74,792,000 | 78,297,000 | 82,624,000 |
| Total loans | 36,851,000 | 38,448,000 | 39,319,000 | 36,621,000 |
| Allowance for loan losses | 633,000 | 654,000 | 657,000 | 661,000 |
| Securities available for sale | 20,853,000 | 20,821,000 | 20,648,000 | 21,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,800,000 | 66,062,000 | 69,240,000 | 73,659,000 |
| Interest-bearing deposits | 57,063,000 | 57,699,000 | 59,878,000 | 62,966,000 |
| Noninterest-bearing deposits | 8,737,000 | 8,363,000 | 9,362,000 | 10,693,000 |
| Equity capital | 8,322,000 | 8,240,000 | 8,505,000 | 8,588,000 |
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 | 1,444,000 | 2,877,000 | 4,274,000 | 5,579,000 |
| Interest expense | 710,000 | 1,430,000 | 2,105,000 | 2,697,000 |
| Net interest income | 734,000 | 1,447,000 | 2,169,000 | 2,882,000 |
| Noninterest income | 171,000 | 324,000 | 475,000 | 630,000 |
| Noninterest expense | 540,000 | 1,099,000 | 1,629,000 | 2,156,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 337,000 | 617,000 | 930,000 | 1,265,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 337,000 | 617,000 | 930,000 | 1,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,128,000 | 7,006,000 | 7,106,000 | 7,461,000 |
| Total capital | 7,677,000 | 7,576,000 | 7,700,000 | 8,044,000 |
| Risk-weighted assets | 43,813,000 | 45,541,000 | 47,446,000 | 46,551,000 |