Call reports 2004
COMMERCIAL STATE BANK — 2004
What COMMERCIAL STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 47,124,000 | 46,145,000 | 47,030,000 | 48,470,000 |
| Total loans | 10,227,000 | 10,496,000 | 11,572,000 | 11,965,000 |
| Allowance for loan losses | 229,000 | 230,000 | 230,000 | 231,000 |
| Securities available for sale | 32,108,000 | 30,686,000 | 30,743,000 | 30,195,000 |
| Securities held to maturity | 2,635,000 | 2,235,000 | 2,535,000 | 2,637,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,828,000 | 32,802,000 | 32,815,000 | 34,376,000 |
| Interest-bearing deposits | 31,601,000 | 31,709,000 | 31,745,000 | 32,759,000 |
| Noninterest-bearing deposits | 1,227,000 | 1,093,000 | 1,070,000 | 1,617,000 |
| Equity capital | 8,635,000 | 8,080,000 | 8,649,000 | 8,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 576,000 | 1,175,000 | 1,738,000 | 2,341,000 |
| Interest expense | 257,000 | 514,000 | 775,000 | 1,041,000 |
| Net interest income | 319,000 | 661,000 | 963,000 | 1,300,000 |
| Noninterest income | 12,000 | 23,000 | 33,000 | 55,000 |
| Noninterest expense | 136,000 | 263,000 | 387,000 | 574,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 202,000 | 438,000 | 630,000 | 802,000 |
| Income tax | 31,000 | 74,000 | 103,000 | 115,000 |
| Net income | 171,000 | 364,000 | 527,000 | 687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,942,000 | 8,135,000 | 8,099,000 | 8,259,000 |
| Total capital | 8,171,000 | 8,365,000 | 8,329,000 | 8,490,000 |
| Risk-weighted assets | 22,287,000 | 22,165,000 | 23,190,000 | 23,899,000 |