Call reports 2011
COMMERCIAL STATE BANK — 2011
What COMMERCIAL STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 97,918,000 | 96,740,000 | 94,933,000 | 104,273,000 |
| Total loans | 45,492,000 | 49,252,000 | 50,660,000 | 46,731,000 |
| Allowance for loan losses | 811,000 | 919,000 | 949,000 | 877,000 |
| Securities available for sale | 21,022,000 | 21,839,000 | 22,102,000 | 21,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,306,000 | 82,769,000 | 80,491,000 | 89,961,000 |
| Interest-bearing deposits | 71,562,000 | 70,469,000 | 68,448,000 | 72,491,000 |
| Noninterest-bearing deposits | 12,744,000 | 12,300,000 | 12,043,000 | 17,470,000 |
| Equity capital | 13,369,000 | 13,664,000 | 14,060,000 | 14,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,049,000 | 2,116,000 | 3,256,000 | 4,275,000 |
| Interest expense | 292,000 | 576,000 | 864,000 | 1,137,000 |
| Net interest income | 757,000 | 1,540,000 | 2,392,000 | 3,138,000 |
| Noninterest income | 164,000 | 314,000 | 475,000 | 633,000 |
| Noninterest expense | 675,000 | 1,327,000 | 1,959,000 | 2,720,000 |
| Provision for loan losses | 165,000 | 330,000 | 450,000 | 480,000 |
| Pretax income | 161,000 | 275,000 | 529,000 | 631,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 161,000 | 275,000 | 529,000 | 631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,327,000 | 12,305,000 | 12,474,000 | 12,577,000 |
| Total capital | 13,084,000 | 13,097,000 | 13,274,000 | 13,360,000 |
| Risk-weighted assets | 60,476,000 | 63,225,000 | 63,845,000 | 62,572,000 |