Call reports 2012
COMMERCIAL STATE BANK — 2012
What COMMERCIAL STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 174,168,000 | 179,478,000 | 192,698,000 | 209,468,000 |
| Total loans | 92,584,000 | 106,903,000 | 115,510,000 | 125,003,000 |
| Allowance for loan losses | 1,799,000 | 1,883,000 | 1,815,000 | 1,841,000 |
| Securities available for sale | 36,615,000 | 36,247,000 | 34,420,000 | 30,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,571,000 | 155,069,000 | 168,030,000 | 184,894,000 |
| Interest-bearing deposits | 92,143,000 | 95,537,000 | 93,606,000 | 93,915,000 |
| Noninterest-bearing deposits | 58,428,000 | 59,532,000 | 74,424,000 | 90,979,000 |
| Equity capital | 23,306,000 | 23,993,000 | 24,225,000 | 24,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,638,000 | 3,343,000 | 5,196,000 | 7,191,000 |
| Interest expense | 133,000 | 251,000 | 355,000 | 447,000 |
| Net interest income | 1,505,000 | 3,092,000 | 4,841,000 | 6,744,000 |
| Noninterest income | 210,000 | 934,000 | 1,132,000 | 1,336,000 |
| Noninterest expense | 1,560,000 | 3,189,000 | 4,803,000 | 6,598,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 155,000 | 837,000 | 1,173,000 | 1,485,000 |
| Income tax | 52,000 | 81,000 | 184,000 | 263,000 |
| Net income | 103,000 | 756,000 | 989,000 | 1,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,942,000 | 22,716,000 | 22,950,000 | 23,162,000 |
| Total capital | 23,224,000 | 24,130,000 | 24,492,000 | 24,842,000 |
| Risk-weighted assets | 102,078,000 | 112,648,000 | 123,051,000 | 133,979,000 |
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