Call reports 2009
COMMERCIAL STATE BANK — 2009
What COMMERCIAL STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 46,140,000 | 47,216,000 | 49,370,000 | 54,288,000 |
| Total loans | 26,393,000 | 24,854,000 | 25,681,000 | 26,101,000 |
| Allowance for loan losses | 365,000 | 390,000 | 395,000 | 321,000 |
| Securities available for sale | 15,265,000 | 15,806,000 | 16,990,000 | 22,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,241,000 | 42,215,000 | 43,858,000 | 48,864,000 |
| Interest-bearing deposits | 31,218,000 | 31,881,000 | 33,756,000 | 38,242,000 |
| Noninterest-bearing deposits | 10,023,000 | 10,334,000 | 10,102,000 | 10,622,000 |
| Equity capital | 4,051,000 | 4,101,000 | 4,559,000 | 4,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 589,000 | 1,200,000 | 1,820,000 | 2,476,000 |
| Interest expense | 98,000 | 196,000 | 292,000 | 389,000 |
| Net interest income | 491,000 | 1,004,000 | 1,528,000 | 2,087,000 |
| Noninterest income | 170,000 | 348,000 | 535,000 | 723,000 |
| Noninterest expense | 511,000 | 1,060,000 | 1,595,000 | 2,298,000 |
| Provision for loan losses | 0 | 75,000 | 75,000 | 75,000 |
| Pretax income | 181,000 | 262,000 | 447,000 | 499,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 181,000 | 262,000 | 447,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,001,000 | 4,057,000 | 4,217,000 | 4,229,000 |
| Total capital | 4,366,000 | 4,427,000 | 4,598,000 | 4,550,000 |
| Risk-weighted assets | 31,025,000 | 29,602,000 | 30,472,000 | 32,458,000 |