Call reports 2009
COMMERCIAL STATE BANK — 2009
What COMMERCIAL STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 55,358,000 | 59,044,000 | 64,010,000 | 62,060,000 |
| Total loans | 13,804,000 | 13,773,000 | 14,296,000 | 14,098,000 |
| Allowance for loan losses | 213,000 | 213,000 | 212,000 | 212,000 |
| Securities available for sale | 33,010,000 | 39,914,000 | 44,150,000 | 42,875,000 |
| Securities held to maturity | 2,203,000 | 2,003,000 | 2,003,000 | 2,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,909,000 | 38,463,000 | 40,816,000 | 43,566,000 |
| Interest-bearing deposits | 37,129,000 | 37,041,000 | 39,402,000 | 41,445,000 |
| Noninterest-bearing deposits | 1,780,000 | 1,422,000 | 1,414,000 | 2,121,000 |
| Equity capital | 10,091,000 | 10,140,000 | 10,977,000 | 10,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 775,000 | 1,509,000 | 2,383,000 | 3,249,000 |
| Interest expense | 298,000 | 579,000 | 865,000 | 1,140,000 |
| Net interest income | 477,000 | 930,000 | 1,518,000 | 2,109,000 |
| Noninterest income | 7,000 | 17,000 | 28,000 | 46,000 |
| Noninterest expense | 150,000 | 317,000 | 489,000 | 736,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 334,000 | 630,000 | 1,079,000 | 1,439,000 |
| Income tax | 68,000 | 118,000 | 218,000 | 295,000 |
| Net income | 266,000 | 512,000 | 861,000 | 1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,031,000 | 10,277,000 | 10,625,000 | 10,908,000 |
| Total capital | 10,244,000 | 10,490,000 | 10,837,000 | 11,120,000 |
| Risk-weighted assets | 19,997,000 | 23,993,000 | 24,269,000 | 23,292,000 |