Call reports 2003
COMMERCIAL STATE BANK — 2003
What COMMERCIAL STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 48,260,000 | 47,699,000 | 47,542,000 | 46,445,000 |
| Total loans | 10,432,000 | 10,583,000 | 10,993,000 | 10,495,000 |
| Allowance for loan losses | 231,000 | 238,000 | 238,000 | 226,000 |
| Securities available for sale | 19,339,000 | 21,083,000 | 27,476,000 | 26,904,000 |
| Securities held to maturity | 14,680,000 | 8,833,000 | 6,112,000 | 4,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,828,000 | 31,886,000 | 32,160,000 | 32,794,000 |
| Interest-bearing deposits | 31,807,000 | 30,508,000 | 30,664,000 | 31,060,000 |
| Noninterest-bearing deposits | 1,021,000 | 1,378,000 | 1,496,000 | 1,734,000 |
| Equity capital | 7,890,000 | 8,206,000 | 7,979,000 | 8,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 655,000 | 1,284,000 | 1,906,000 | 2,495,000 |
| Interest expense | 298,000 | 589,000 | 873,000 | 1,156,000 |
| Net interest income | 357,000 | 695,000 | 1,033,000 | 1,339,000 |
| Noninterest income | 14,000 | 25,000 | 34,000 | 56,000 |
| Noninterest expense | 127,000 | 262,000 | 380,000 | 548,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 254,000 | 495,000 | 734,000 | 894,000 |
| Income tax | 34,000 | 97,000 | 148,000 | 182,000 |
| Net income | 220,000 | 398,000 | 586,000 | 712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,430,000 | 7,457,000 | 7,646,000 | 7,772,000 |
| Total capital | 7,661,000 | 7,695,000 | 7,884,000 | 7,998,000 |
| Risk-weighted assets | 22,022,000 | 22,056,000 | 23,360,000 | 22,808,000 |