Call reports 2008
COMMERCIAL STATE BANK — 2008
What COMMERCIAL STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 88,402,000 | 85,115,000 | 85,375,000 | 90,259,000 |
| Total loans | 49,954,000 | 49,378,000 | 52,596,000 | 48,876,000 |
| Allowance for loan losses | 436,000 | 416,000 | 376,000 | 533,000 |
| Securities available for sale | 19,749,000 | 20,928,000 | 21,297,000 | 20,180,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,100,000 | 72,221,000 | 72,143,000 | 77,069,000 |
| Interest-bearing deposits | 63,519,000 | 61,024,000 | 59,746,000 | 64,574,000 |
| Noninterest-bearing deposits | 11,581,000 | 11,197,000 | 12,397,000 | 12,496,000 |
| Equity capital | 12,944,000 | 12,512,000 | 12,826,000 | 12,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,462,000 | 2,822,000 | 4,179,000 | 5,461,000 |
| Interest expense | 598,000 | 1,123,000 | 1,597,000 | 2,038,000 |
| Net interest income | 864,000 | 1,699,000 | 2,582,000 | 3,423,000 |
| Noninterest income | 150,000 | 297,000 | 455,000 | 611,000 |
| Noninterest expense | 598,000 | 1,187,000 | 1,840,000 | 2,464,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 315,000 |
| Pretax income | 386,000 | 749,000 | 1,107,000 | 1,255,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 386,000 | 749,000 | 1,107,000 | 1,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,734,000 | 11,598,000 | 11,707,000 | 11,854,000 |
| Total capital | 12,170,000 | 12,014,000 | 12,083,000 | 12,387,000 |
| Risk-weighted assets | 58,738,000 | 59,243,000 | 61,486,000 | 59,904,000 |