Call reports 2003
COMMERCIAL STATE BANK — 2003
What COMMERCIAL STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 45,346,000 | 45,139,000 | 49,958,000 | 44,961,000 |
| Total loans | 20,536,000 | 21,059,000 | 20,951,000 | 20,973,000 |
| Allowance for loan losses | 290,000 | 292,000 | 356,000 | 272,000 |
| Securities available for sale | 17,219,000 | 17,082,000 | 18,355,000 | 18,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,607,000 | 40,418,000 | 45,142,000 | 40,346,000 |
| Interest-bearing deposits | 30,515,000 | 30,026,000 | 35,194,000 | 29,510,000 |
| Noninterest-bearing deposits | 10,092,000 | 10,392,000 | 9,948,000 | 10,836,000 |
| Equity capital | 4,442,000 | 4,410,000 | 4,478,000 | 4,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 579,000 | 1,137,000 | 1,723,000 | 2,311,000 |
| Interest expense | 122,000 | 237,000 | 353,000 | 462,000 |
| Net interest income | 457,000 | 900,000 | 1,370,000 | 1,849,000 |
| Noninterest income | 243,000 | 420,000 | 649,000 | 868,000 |
| Noninterest expense | 457,000 | 938,000 | 1,406,000 | 2,037,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 243,000 | 416,000 | 647,000 | 708,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 243,000 | 416,000 | 647,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,013,000 | 4,063,000 | 4,294,000 | 4,035,000 |
| Total capital | 4,303,000 | 4,355,000 | 4,623,000 | 4,307,000 |
| Risk-weighted assets | 23,666,000 | 24,788,000 | 26,302,000 | 25,171,000 |