Call reports 2010
COMMERCIAL STATE BANK — 2010
What COMMERCIAL STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 92,732,000 | 91,607,000 | 89,936,000 | 93,179,000 |
| Total loans | 50,225,000 | 50,975,000 | 49,336,000 | 46,397,000 |
| Allowance for loan losses | 663,000 | 690,000 | 501,000 | 639,000 |
| Securities available for sale | 18,750,000 | 18,922,000 | 18,996,000 | 18,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,845,000 | 77,788,000 | 75,867,000 | 79,667,000 |
| Interest-bearing deposits | 66,356,000 | 66,246,000 | 63,718,000 | 66,892,000 |
| Noninterest-bearing deposits | 12,489,000 | 11,542,000 | 12,149,000 | 12,775,000 |
| Equity capital | 13,643,000 | 13,518,000 | 13,696,000 | 13,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,096,000 | 2,240,000 | 3,362,000 | 4,428,000 |
| Interest expense | 338,000 | 664,000 | 982,000 | 1,288,000 |
| Net interest income | 758,000 | 1,576,000 | 2,380,000 | 3,140,000 |
| Noninterest income | 159,000 | 233,000 | 404,000 | 564,000 |
| Noninterest expense | 645,000 | 1,296,000 | 1,943,000 | 2,585,000 |
| Provision for loan losses | 75,000 | 150,000 | 415,000 | 580,000 |
| Pretax income | 197,000 | 363,000 | 426,000 | 539,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 197,000 | 363,000 | 426,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,260,000 | 12,126,000 | 12,120,000 | 12,233,000 |
| Total capital | 12,923,000 | 12,816,000 | 12,621,000 | 12,872,000 |
| Risk-weighted assets | 62,085,000 | 62,836,000 | 61,406,000 | 60,705,000 |
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