Call reports 2007
COMMERCIAL STATE BANK — 2007
What COMMERCIAL STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 86,461,000 | 82,188,000 | 81,585,000 | 87,185,000 |
| Total loans | 46,720,000 | 47,168,000 | 50,240,000 | 48,548,000 |
| Allowance for loan losses | 525,000 | 548,000 | 478,000 | 400,000 |
| Securities available for sale | 20,561,000 | 20,860,000 | 21,523,000 | 21,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,169,000 | 70,091,000 | 68,987,000 | 74,211,000 |
| Interest-bearing deposits | 61,278,000 | 58,709,000 | 57,414,000 | 61,878,000 |
| Noninterest-bearing deposits | 12,891,000 | 11,383,000 | 11,573,000 | 12,332,000 |
| Equity capital | 11,934,000 | 11,663,000 | 12,113,000 | 12,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,523,000 | 3,048,000 | 4,519,000 | 6,033,000 |
| Interest expense | 585,000 | 1,195,000 | 1,800,000 | 2,409,000 |
| Net interest income | 938,000 | 1,853,000 | 2,719,000 | 3,624,000 |
| Noninterest income | 168,000 | 314,000 | 467,000 | 623,000 |
| Noninterest expense | 584,000 | 1,149,000 | 1,739,000 | 2,343,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 163,000 |
| Pretax income | 492,000 | 958,000 | 1,357,000 | 1,741,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 492,000 | 958,000 | 1,357,000 | 1,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,101,000 | 11,066,000 | 11,214,000 | 11,599,000 |
| Total capital | 11,626,000 | 11,614,000 | 11,692,000 | 11,999,000 |
| Risk-weighted assets | 55,362,000 | 55,005,000 | 57,719,000 | 57,357,000 |