Call reports 2006
COMMERCIAL STATE BANK — 2006
What COMMERCIAL STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 83,337,000 | 77,181,000 | 81,222,000 | 85,772,000 |
| Total loans | 44,433,000 | 47,958,000 | 50,302,000 | 46,707,000 |
| Allowance for loan losses | 471,000 | 470,000 | 521,000 | 519,000 |
| Securities available for sale | 23,972,000 | 23,001,000 | 21,328,000 | 20,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,249,000 | 66,159,000 | 69,757,000 | 73,813,000 |
| Interest-bearing deposits | 59,312,000 | 54,812,000 | 57,475,000 | 58,582,000 |
| Noninterest-bearing deposits | 12,937,000 | 11,347,000 | 12,282,000 | 15,231,000 |
| Equity capital | 10,817,000 | 10,701,000 | 11,027,000 | 11,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,799,000 | 4,252,000 | 5,723,000 |
| Interest expense | 430,000 | 897,000 | 1,421,000 | 1,945,000 |
| Net interest income | 967,000 | 1,902,000 | 2,831,000 | 3,778,000 |
| Noninterest income | 148,000 | 291,000 | 422,000 | 568,000 |
| Noninterest expense | 552,000 | 1,099,000 | 1,633,000 | 2,172,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 533,000 | 1,034,000 | 1,492,000 | 2,016,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 533,000 | 1,034,000 | 1,492,000 | 2,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,089,000 | 10,084,000 | 10,335,000 | 10,859,000 |
| Total capital | 10,560,000 | 10,554,000 | 10,856,000 | 11,378,000 |
| Risk-weighted assets | 53,469,000 | 55,493,000 | 57,664,000 | 55,395,000 |