Call reports 2008
COMMERCIAL STATE BANK — 2008
What COMMERCIAL STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 41,810,000 | 41,990,000 | 41,342,000 | 42,055,000 |
| Total loans | 21,984,000 | 23,382,000 | 24,652,000 | 26,341,000 |
| Allowance for loan losses | 393,000 | 390,000 | 362,000 | 366,000 |
| Securities available for sale | 15,029,000 | 13,606,000 | 9,377,000 | 9,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,504,000 | 36,303,000 | 36,368,000 | 33,082,000 |
| Interest-bearing deposits | 25,858,000 | 23,961,000 | 23,626,000 | 23,069,000 |
| Noninterest-bearing deposits | 10,646,000 | 12,342,000 | 12,742,000 | 10,013,000 |
| Equity capital | 4,216,000 | 3,975,000 | 4,087,000 | 4,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 678,000 | 1,318,000 | 1,895,000 | 2,471,000 |
| Interest expense | 154,000 | 287,000 | 401,000 | 501,000 |
| Net interest income | 524,000 | 1,031,000 | 1,494,000 | 1,970,000 |
| Noninterest income | 160,000 | 331,000 | 523,000 | 697,000 |
| Noninterest expense | 575,000 | 1,142,000 | 1,719,000 | 2,309,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 13,000 |
| Pretax income | 147,000 | 276,000 | 300,000 | 397,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 147,000 | 276,000 | 300,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,022,000 | 4,151,000 | 4,175,000 | 4,194,000 |
| Total capital | 4,349,000 | 4,485,000 | 4,537,000 | 4,560,000 |
| Risk-weighted assets | 26,095,000 | 26,642,000 | 29,255,000 | 31,119,000 |