Call reports 2011
COMMERCIAL STATE BANK — 2011
What COMMERCIAL STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 58,900,000 | 61,525,000 | 61,838,000 | 61,598,000 |
| Total loans | 28,411,000 | 28,548,000 | 28,779,000 | 27,993,000 |
| Allowance for loan losses | 363,000 | 364,000 | 358,000 | 336,000 |
| Securities available for sale | 25,483,000 | 25,982,000 | 26,135,000 | 27,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,538,000 | 54,875,000 | 54,987,000 | 54,846,000 |
| Interest-bearing deposits | 41,171,000 | 43,341,000 | 43,717,000 | 42,837,000 |
| Noninterest-bearing deposits | 11,367,000 | 11,534,000 | 11,270,000 | 12,009,000 |
| Equity capital | 5,021,000 | 5,579,000 | 5,730,000 | 5,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 671,000 | 1,363,000 | 2,072,000 | 2,751,000 |
| Interest expense | 69,000 | 135,000 | 199,000 | 261,000 |
| Net interest income | 602,000 | 1,228,000 | 1,873,000 | 2,490,000 |
| Noninterest income | 204,000 | 452,000 | 675,000 | 882,000 |
| Noninterest expense | 515,000 | 1,097,000 | 1,664,000 | 2,401,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 121,000 |
| Pretax income | 267,000 | 559,000 | 897,000 | 958,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 267,000 | 559,000 | 897,000 | 958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,878,000 | 5,130,000 | 5,136,000 | 5,089,000 |
| Total capital | 5,241,000 | 5,494,000 | 5,494,000 | 5,425,000 |
| Risk-weighted assets | 33,637,000 | 34,641,000 | 35,320,000 | 32,842,000 |