Call reports 2009
COMMERCIAL STATE BANK — 2009
What COMMERCIAL STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 88,365,000 | 84,758,000 | 84,216,000 | 92,067,000 |
| Total loans | 48,852,000 | 50,418,000 | 52,108,000 | 48,783,000 |
| Allowance for loan losses | 616,000 | 663,000 | 665,000 | 687,000 |
| Securities available for sale | 20,303,000 | 18,926,000 | 17,244,000 | 17,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,016,000 | 71,510,000 | 70,412,000 | 78,300,000 |
| Interest-bearing deposits | 63,600,000 | 60,186,000 | 58,688,000 | 64,759,000 |
| Noninterest-bearing deposits | 11,415,000 | 11,324,000 | 11,723,000 | 13,541,000 |
| Equity capital | 13,095,000 | 12,962,000 | 13,445,000 | 13,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,338,000 | 3,514,000 | 4,655,000 |
| Interest expense | 396,000 | 760,000 | 1,102,000 | 1,431,000 |
| Net interest income | 778,000 | 1,578,000 | 2,412,000 | 3,224,000 |
| Noninterest income | 142,000 | 365,000 | 542,000 | 707,000 |
| Noninterest expense | 609,000 | 1,249,000 | 1,901,000 | 2,622,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 236,000 | 544,000 | 828,000 | 1,009,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 236,000 | 544,000 | 828,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,889,000 | 11,819,000 | 12,033,000 | 12,214,000 |
| Total capital | 12,505,000 | 12,482,000 | 12,698,000 | 12,901,000 |
| Risk-weighted assets | 59,352,000 | 60,035,000 | 61,274,000 | 60,339,000 |