Call reports 2005
COMMERCIAL STATE BANK — 2005
What COMMERCIAL STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 47,842,000 | 48,585,000 | 49,076,000 | 49,529,000 |
| Total loans | 11,062,000 | 11,189,000 | 12,015,000 | 11,517,000 |
| Allowance for loan losses | 232,000 | 232,000 | 232,000 | 228,000 |
| Securities available for sale | 30,633,000 | 31,789,000 | 31,549,000 | 30,005,000 |
| Securities held to maturity | 2,637,000 | 2,637,000 | 2,837,000 | 2,836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,410,000 | 33,924,000 | 34,419,000 | 34,383,000 |
| Interest-bearing deposits | 33,025,000 | 32,774,000 | 33,256,000 | 32,858,000 |
| Noninterest-bearing deposits | 1,385,000 | 1,150,000 | 1,163,000 | 1,525,000 |
| Equity capital | 8,052,000 | 8,632,000 | 8,681,000 | 8,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 609,000 | 1,230,000 | 1,865,000 | 2,488,000 |
| Interest expense | 276,000 | 561,000 | 860,000 | 1,173,000 |
| Net interest income | 333,000 | 669,000 | 1,005,000 | 1,315,000 |
| Noninterest income | 14,000 | 27,000 | 41,000 | 66,000 |
| Noninterest expense | 153,000 | 287,000 | 424,000 | 617,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 191,000 | 406,000 | 618,000 | 760,000 |
| Income tax | 26,000 | 61,000 | 94,000 | 101,000 |
| Net income | 165,000 | 345,000 | 524,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,904,000 | 8,084,000 | 8,263,000 | 8,398,000 |
| Total capital | 8,136,000 | 8,316,000 | 8,495,000 | 8,626,000 |
| Risk-weighted assets | 22,508,000 | 22,982,000 | 23,614,000 | 23,160,000 |