Call reports 2005
COMMERCIAL STATE BANK — 2005
What COMMERCIAL STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 43,965,000 | 43,818,000 | 45,040,000 | 44,578,000 |
| Total loans | 24,073,000 | 23,766,000 | 23,921,000 | 23,844,000 |
| Allowance for loan losses | 321,000 | 314,000 | 308,000 | 250,000 |
| Securities available for sale | 15,497,000 | 15,669,000 | 16,519,000 | 16,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,879,000 | 38,761,000 | 39,613,000 | 39,454,000 |
| Interest-bearing deposits | 27,780,000 | 27,021,000 | 27,347,000 | 26,549,000 |
| Noninterest-bearing deposits | 11,099,000 | 11,740,000 | 12,266,000 | 12,905,000 |
| Equity capital | 4,117,000 | 4,172,000 | 4,089,000 | 3,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 621,000 | 1,258,000 | 1,901,000 | 2,576,000 |
| Interest expense | 87,000 | 177,000 | 272,000 | 375,000 |
| Net interest income | 534,000 | 1,081,000 | 1,629,000 | 2,201,000 |
| Noninterest income | 163,000 | 325,000 | 503,000 | 673,000 |
| Noninterest expense | 438,000 | 919,000 | 1,404,000 | 2,076,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 252,000 | 481,000 | 703,000 | 705,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 252,000 | 481,000 | 703,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,274,000 | 4,293,000 | 4,296,000 | 4,079,000 |
| Total capital | 4,595,000 | 4,607,000 | 4,604,000 | 4,329,000 |
| Risk-weighted assets | 28,310,000 | 28,444,000 | 28,353,000 | 28,182,000 |