Call reports 2004
COMMERCIAL STATE BANK — 2004
What COMMERCIAL STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 45,069,000 | 44,591,000 | 45,134,000 | 44,317,000 |
| Total loans | 22,378,000 | 23,474,000 | 22,879,000 | 23,413,000 |
| Allowance for loan losses | 301,000 | 330,000 | 331,000 | 322,000 |
| Securities available for sale | 17,924,000 | 14,681,000 | 14,762,000 | 14,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,448,000 | 40,051,000 | 40,320,000 | 39,790,000 |
| Interest-bearing deposits | 28,866,000 | 28,774,000 | 28,271,000 | 28,194,000 |
| Noninterest-bearing deposits | 10,582,000 | 11,277,000 | 12,049,000 | 11,596,000 |
| Equity capital | 4,434,000 | 4,172,000 | 4,430,000 | 4,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 605,000 | 1,203,000 | 1,824,000 | 2,446,000 |
| Interest expense | 99,000 | 192,000 | 282,000 | 369,000 |
| Net interest income | 506,000 | 1,011,000 | 1,542,000 | 2,077,000 |
| Noninterest income | 204,000 | 403,000 | 585,000 | 752,000 |
| Noninterest expense | 507,000 | 957,000 | 1,451,000 | 2,099,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 186,000 | 403,000 | 613,000 | 654,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 186,000 | 403,000 | 613,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,104,000 | 4,303,000 | 4,294,000 | 4,020,000 |
| Total capital | 4,405,000 | 4,633,000 | 4,625,000 | 4,342,000 |
| Risk-weighted assets | 26,173,000 | 27,108,000 | 26,871,000 | 26,901,000 |