Call reports 2005
COMMERCIAL STATE BANK — 2005
What COMMERCIAL STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 82,974,000 | 77,716,000 | 76,752,000 | 85,527,000 |
| Total loans | 43,542,000 | 45,400,000 | 46,802,000 | 42,927,000 |
| Allowance for loan losses | 577,000 | 447,000 | 469,000 | 440,000 |
| Securities available for sale | 23,188,000 | 23,639,000 | 22,525,000 | 22,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,733,000 | 67,340,000 | 66,117,000 | 74,707,000 |
| Interest-bearing deposits | 61,729,000 | 56,911,000 | 54,019,000 | 61,043,000 |
| Noninterest-bearing deposits | 11,004,000 | 10,429,000 | 12,098,000 | 13,664,000 |
| Equity capital | 10,025,000 | 10,090,000 | 10,312,000 | 10,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,147,000 | 2,338,000 | 3,607,000 | 4,895,000 |
| Interest expense | 292,000 | 617,000 | 962,000 | 1,331,000 |
| Net interest income | 855,000 | 1,721,000 | 2,645,000 | 3,564,000 |
| Noninterest income | 152,000 | 292,000 | 438,000 | 582,000 |
| Noninterest expense | 510,000 | 1,040,000 | 1,563,000 | 2,080,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 466,000 | 912,000 | 1,429,000 | 1,946,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 466,000 | 912,000 | 1,429,000 | 1,946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,078,000 | 9,027,000 | 9,291,000 | 9,808,000 |
| Total capital | 9,655,000 | 9,474,000 | 9,760,000 | 10,248,000 |
| Risk-weighted assets | 52,311,000 | 52,463,000 | 53,816,000 | 51,975,000 |