Call reports 2001
COMMERCIAL STATE BANK — 2001
What COMMERCIAL STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 45,254,000 | 45,847,000 | 47,386,000 | 45,969,000 |
| Total loans | 19,133,000 | 18,815,000 | 19,008,000 | 19,587,000 |
| Allowance for loan losses | 255,000 | 263,000 | 270,000 | 217,000 |
| Securities available for sale | 20,808,000 | 20,810,000 | 21,542,000 | 20,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,375,000 | 40,902,000 | 42,082,000 | 41,307,000 |
| Interest-bearing deposits | 30,581,000 | 31,344,000 | 31,560,000 | 31,619,000 |
| Noninterest-bearing deposits | 9,794,000 | 9,558,000 | 10,522,000 | 9,688,000 |
| Equity capital | 4,611,000 | 4,658,000 | 4,998,000 | 4,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 829,000 | 1,656,000 | 2,443,000 | 3,188,000 |
| Interest expense | 284,000 | 575,000 | 859,000 | 1,084,000 |
| Net interest income | 545,000 | 1,081,000 | 1,584,000 | 2,104,000 |
| Noninterest income | 193,000 | 390,000 | 601,000 | 845,000 |
| Noninterest expense | 465,000 | 904,000 | 1,356,000 | 1,971,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 301,000 | 671,000 | 941,000 | 1,252,000 |
| Income tax | 13,000 | 22,000 | 29,000 | 36,000 |
| Net income | 288,000 | 649,000 | 912,000 | 1,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,229,000 | 4,353,000 | 4,480,000 | 4,384,000 |
| Total capital | 4,484,000 | 4,616,000 | 4,751,000 | 4,601,000 |
| Risk-weighted assets | 24,451,000 | 24,047,000 | 23,665,000 | 27,176,000 |