Call reports 2010
COMMERCIAL STATE BANK — 2010
What COMMERCIAL STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 58,026,000 | 58,894,000 | 57,755,000 | 57,430,000 |
| Total loans | 26,358,000 | 27,170,000 | 27,716,000 | 27,753,000 |
| Allowance for loan losses | 326,000 | 357,000 | 386,000 | 353,000 |
| Securities available for sale | 23,716,000 | 25,479,000 | 24,536,000 | 24,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,324,000 | 52,767,000 | 51,238,000 | 51,875,000 |
| Interest-bearing deposits | 39,791,000 | 41,454,000 | 40,453,000 | 40,886,000 |
| Noninterest-bearing deposits | 12,533,000 | 11,313,000 | 10,785,000 | 10,989,000 |
| Equity capital | 4,768,000 | 5,156,000 | 5,483,000 | 4,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 672,000 | 1,371,000 | 2,079,000 | 2,784,000 |
| Interest expense | 95,000 | 188,000 | 272,000 | 351,000 |
| Net interest income | 577,000 | 1,183,000 | 1,807,000 | 2,433,000 |
| Noninterest income | 174,000 | 372,000 | 555,000 | 757,000 |
| Noninterest expense | 515,000 | 1,030,000 | 1,569,000 | 2,288,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 250,000 | 589,000 | 851,000 | 987,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 250,000 | 589,000 | 851,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,479,000 | 4,753,000 | 4,980,000 | 4,646,000 |
| Total capital | 4,805,000 | 5,110,000 | 5,366,000 | 4,999,000 |
| Risk-weighted assets | 33,377,000 | 32,806,000 | 32,398,000 | 32,932,000 |
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