Call reports 2006
COMMERCIAL STATE BANK — 2006
What COMMERCIAL STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 48,446,000 | 48,836,000 | 51,272,000 | 49,491,000 |
| Total loans | 11,085,000 | 10,980,000 | 11,712,000 | 11,617,000 |
| Allowance for loan losses | 231,000 | 231,000 | 231,000 | 219,000 |
| Securities available for sale | 31,380,000 | 32,332,000 | 34,495,000 | 32,442,000 |
| Securities held to maturity | 2,836,000 | 2,836,000 | 2,736,000 | 2,736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,550,000 | 34,897,000 | 35,359,000 | 35,276,000 |
| Interest-bearing deposits | 32,329,000 | 33,642,000 | 34,129,000 | 33,440,000 |
| Noninterest-bearing deposits | 1,221,000 | 1,255,000 | 1,230,000 | 1,836,000 |
| Equity capital | 8,366,000 | 8,249,000 | 8,888,000 | 9,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,287,000 | 1,986,000 | 2,695,000 |
| Interest expense | 319,000 | 655,000 | 1,034,000 | 1,432,000 |
| Net interest income | 309,000 | 632,000 | 952,000 | 1,263,000 |
| Noninterest income | 35,000 | 70,000 | 130,000 | 199,000 |
| Noninterest expense | 142,000 | 280,000 | 428,000 | 613,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 202,000 | 422,000 | 654,000 | 849,000 |
| Income tax | 35,000 | 75,000 | 120,000 | 163,000 |
| Net income | 167,000 | 347,000 | 534,000 | 686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,318,000 | 8,498,000 | 8,685,000 | 8,837,000 |
| Total capital | 8,549,000 | 8,729,000 | 8,916,000 | 9,056,000 |
| Risk-weighted assets | 22,491,000 | 22,728,000 | 23,269,000 | 22,442,000 |