Call reports 2004
COMMERCIAL STATE BANK — 2004
What COMMERCIAL STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,110,000 | 73,526,000 | 75,937,000 | 81,210,000 |
| Total loans | 41,010,000 | 42,061,000 | 43,522,000 | 41,526,000 |
| Allowance for loan losses | 589,000 | 590,000 | 596,000 | 548,000 |
| Securities available for sale | 23,617,000 | 23,795,000 | 21,411,000 | 22,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,055,000 | 64,286,000 | 65,938,000 | 70,963,000 |
| Interest-bearing deposits | 58,230,000 | 53,904,000 | 55,413,000 | 59,372,000 |
| Noninterest-bearing deposits | 11,825,000 | 10,382,000 | 10,525,000 | 11,591,000 |
| Equity capital | 9,865,000 | 9,027,000 | 9,726,000 | 10,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,097,000 | 2,174,000 | 3,315,000 | 4,430,000 |
| Interest expense | 261,000 | 491,000 | 717,000 | 973,000 |
| Net interest income | 836,000 | 1,683,000 | 2,598,000 | 3,457,000 |
| Noninterest income | 162,000 | 324,000 | 484,000 | 631,000 |
| Noninterest expense | 513,000 | 1,033,000 | 1,545,000 | 2,047,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 455,000 | 916,000 | 1,450,000 | 1,928,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 455,000 | 916,000 | 1,450,000 | 1,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,149,000 | 8,100,000 | 8,390,000 | 8,865,000 |
| Total capital | 8,738,000 | 8,690,000 | 8,986,000 | 9,413,000 |
| Risk-weighted assets | 49,531,000 | 49,181,000 | 50,580,000 | 50,238,000 |