Call reports 2013
COMMERCIAL STATE BANK — 2013
What COMMERCIAL STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 225,550,000 | 203,145,000 | 288,674,000 | 291,700,000 |
| Total loans | 134,943,000 | 139,619,000 | 163,169,000 | 171,716,000 |
| Allowance for loan losses | 1,841,000 | 1,837,000 | 1,873,000 | 1,863,000 |
| Securities available for sale | 24,067,000 | 20,302,000 | 41,411,000 | 41,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,065,000 | 177,815,000 | 258,175,000 | 261,045,000 |
| Interest-bearing deposits | 107,794,000 | 101,067,000 | 153,571,000 | 146,855,000 |
| Noninterest-bearing deposits | 92,271,000 | 76,748,000 | 104,604,000 | 114,190,000 |
| Equity capital | 24,653,000 | 24,745,000 | 29,736,000 | 30,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,109,000 | 4,235,000 | 6,749,000 | 9,396,000 |
| Interest expense | 88,000 | 162,000 | 275,000 | 411,000 |
| Net interest income | 2,021,000 | 4,073,000 | 6,474,000 | 8,985,000 |
| Noninterest income | 212,000 | 414,000 | 733,000 | 1,119,000 |
| Noninterest expense | 1,715,000 | 3,445,000 | 5,880,000 | 8,153,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 20,000 |
| Pretax income | 518,000 | 1,042,000 | 1,322,000 | 1,931,000 |
| Income tax | 153,000 | 301,000 | 364,000 | 523,000 |
| Net income | 365,000 | 741,000 | 958,000 | 1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,013,000 | 24,317,000 | 28,918,000 | 29,780,000 |
| Total capital | 25,854,000 | 26,154,000 | 30,791,000 | 31,643,000 |
| Risk-weighted assets | 150,179,000 | 149,320,000 | 168,175,000 | 185,276,000 |
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