Call reports 2003
COMMERCIAL STATE BANK — 2003
What COMMERCIAL STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 82,696,000 | 78,798,000 | 77,517,000 | 82,899,000 |
| Total loans | 42,440,000 | 41,784,000 | 42,533,000 | 40,131,000 |
| Allowance for loan losses | 598,000 | 600,000 | 617,000 | 561,000 |
| Securities available for sale | 21,420,000 | 21,412,000 | 21,194,000 | 21,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,609,000 | 69,440,000 | 68,271,000 | 73,322,000 |
| Interest-bearing deposits | 61,151,000 | 57,467,000 | 56,959,000 | 60,533,000 |
| Noninterest-bearing deposits | 12,458,000 | 11,973,000 | 11,312,000 | 12,789,000 |
| Equity capital | 8,856,000 | 9,090,000 | 8,930,000 | 9,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,150,000 | 2,283,000 | 3,405,000 | 4,517,000 |
| Interest expense | 333,000 | 659,000 | 958,000 | 1,235,000 |
| Net interest income | 817,000 | 1,624,000 | 2,447,000 | 3,282,000 |
| Noninterest income | 150,000 | 306,000 | 466,000 | 624,000 |
| Noninterest expense | 491,000 | 1,020,000 | 1,556,000 | 2,068,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 448,000 | 857,000 | 1,275,000 | 1,726,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 448,000 | 857,000 | 1,275,000 | 1,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,088,000 | 7,217,000 | 7,492,000 | 7,941,000 |
| Total capital | 7,686,000 | 7,817,000 | 8,109,000 | 8,502,000 |
| Risk-weighted assets | 50,719,000 | 49,777,000 | 50,405,000 | 49,551,000 |