Call reports 2007
COMMERCIAL STATE BANK — 2007
What COMMERCIAL STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 47,548,000 | 47,812,000 | 49,828,000 | 49,492,000 |
| Total loans | 11,815,000 | 12,205,000 | 12,602,000 | 12,037,000 |
| Allowance for loan losses | 219,000 | 219,000 | 226,000 | 215,000 |
| Securities available for sale | 31,117,000 | 30,798,000 | 32,320,000 | 31,783,000 |
| Securities held to maturity | 2,736,000 | 2,736,000 | 2,735,000 | 2,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,474,000 | 33,950,000 | 34,107,000 | 34,609,000 |
| Interest-bearing deposits | 33,129,000 | 32,730,000 | 32,953,000 | 33,000,000 |
| Noninterest-bearing deposits | 1,345,000 | 1,220,000 | 1,154,000 | 1,609,000 |
| Equity capital | 8,996,000 | 8,839,000 | 9,343,000 | 9,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 663,000 | 1,382,000 | 2,124,000 | 2,883,000 |
| Interest expense | 369,000 | 765,000 | 1,180,000 | 1,599,000 |
| Net interest income | 294,000 | 617,000 | 944,000 | 1,284,000 |
| Noninterest income | 12,000 | 21,000 | 32,000 | 54,000 |
| Noninterest expense | 144,000 | 280,000 | 413,000 | 547,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 162,000 | 358,000 | 563,000 | 791,000 |
| Income tax | 20,000 | 54,000 | 89,000 | 166,000 |
| Net income | 142,000 | 304,000 | 474,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,773,000 | 8,934,000 | 9,105,000 | 9,256,000 |
| Total capital | 8,992,000 | 9,126,000 | 9,311,000 | 9,459,000 |
| Risk-weighted assets | 22,116,000 | 15,341,000 | 16,488,000 | 16,198,000 |