Call reports 2011
COMMERCIAL STATE BANK — 2011
What COMMERCIAL STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 65,188,000 | 72,345,000 | 62,423,000 | 61,451,000 |
| Total loans | 12,748,000 | 12,778,000 | 13,298,000 | 12,501,000 |
| Allowance for loan losses | 208,000 | 208,000 | 208,000 | 232,000 |
| Securities available for sale | 49,031,000 | 56,361,000 | 38,024,000 | 33,731,000 |
| Securities held to maturity | 833,000 | 833,000 | 833,000 | 833,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,338,000 | 48,330,000 | 47,739,000 | 46,667,000 |
| Interest-bearing deposits | 46,005,000 | 46,101,000 | 45,748,000 | 43,378,000 |
| Noninterest-bearing deposits | 2,333,000 | 2,229,000 | 1,991,000 | 3,289,000 |
| Equity capital | 11,440,000 | 12,716,000 | 13,334,000 | 13,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 731,000 | 1,563,000 | 2,350,000 | 2,960,000 |
| Interest expense | 183,000 | 353,000 | 521,000 | 667,000 |
| Net interest income | 548,000 | 1,210,000 | 1,829,000 | 2,293,000 |
| Noninterest income | 15,000 | 27,000 | 42,000 | 60,000 |
| Noninterest expense | 181,000 | 395,000 | 573,000 | 801,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 376,000 | 836,000 | 1,292,000 | 1,567,000 |
| Income tax | 92,000 | 207,000 | 326,000 | 382,000 |
| Net income | 284,000 | 629,000 | 966,000 | 1,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,872,000 | 12,218,000 | 12,554,000 | 12,773,000 |
| Total capital | 12,080,000 | 12,426,000 | 12,762,000 | 13,005,000 |
| Risk-weighted assets | 22,382,000 | 22,204,000 | 24,142,000 | 25,828,000 |