Call reports 2007
COMMERCIAL STATE BANK — 2007
What COMMERCIAL STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 43,105,000 | 42,616,000 | 40,885,000 | 42,345,000 |
| Total loans | 22,752,000 | 22,321,000 | 21,686,000 | 20,958,000 |
| Allowance for loan losses | 330,000 | 322,000 | 398,000 | 393,000 |
| Securities available for sale | 15,393,000 | 14,918,000 | 14,913,000 | 14,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,193,000 | 37,821,000 | 35,605,000 | 37,435,000 |
| Interest-bearing deposits | 25,666,000 | 25,446,000 | 24,567,000 | 25,347,000 |
| Noninterest-bearing deposits | 12,527,000 | 12,375,000 | 11,038,000 | 12,088,000 |
| Equity capital | 4,228,000 | 4,137,000 | 4,264,000 | 4,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 745,000 | 1,506,000 | 2,253,000 | 2,955,000 |
| Interest expense | 151,000 | 297,000 | 449,000 | 602,000 |
| Net interest income | 594,000 | 1,209,000 | 1,804,000 | 2,353,000 |
| Noninterest income | 149,000 | 357,000 | 524,000 | 693,000 |
| Noninterest expense | 443,000 | 973,000 | 1,510,000 | 2,172,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 75,000 |
| Pretax income | 254,000 | 532,000 | 689,000 | 705,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 254,000 | 532,000 | 689,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,255,000 | 4,522,000 | 4,368,000 | 4,079,000 |
| Total capital | 4,585,000 | 4,844,000 | 4,696,000 | 4,400,000 |
| Risk-weighted assets | 27,076,000 | 27,205,000 | 26,152,000 | 25,604,000 |