Call reports 2014
COMMERCIAL STATE BANK — 2014
What COMMERCIAL STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 285,145,000 | 289,007,000 | 289,369,000 | 307,099,000 |
| Total loans | 179,214,000 | 188,993,000 | 207,102,000 | 202,160,000 |
| Allowance for loan losses | 2,043,000 | 2,081,000 | 2,188,000 | 2,298,000 |
| Securities available for sale | 42,032,000 | 40,615,000 | 40,190,000 | 39,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,600,000 | 256,838,000 | 256,366,000 | 273,316,000 |
| Interest-bearing deposits | 146,662,000 | 144,482,000 | 144,688,000 | 148,715,000 |
| Noninterest-bearing deposits | 106,939,000 | 112,356,000 | 111,678,000 | 124,601,000 |
| Equity capital | 31,128,000 | 32,002,000 | 32,690,000 | 33,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,782,000 | 5,623,000 | 8,640,000 | 11,737,000 |
| Interest expense | 114,000 | 237,000 | 358,000 | 470,000 |
| Net interest income | 2,668,000 | 5,386,000 | 8,282,000 | 11,267,000 |
| Noninterest income | 438,000 | 767,000 | 1,213,000 | 1,480,000 |
| Noninterest expense | 2,034,000 | 4,243,000 | 6,599,000 | 9,161,000 |
| Provision for loan losses | 150,000 | 200,000 | 415,000 | 440,000 |
| Pretax income | 922,000 | 1,710,000 | 2,481,000 | 3,146,000 |
| Income tax | 265,000 | 484,000 | 700,000 | 892,000 |
| Net income | 657,000 | 1,226,000 | 1,781,000 | 2,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,789,000 | 31,395,000 | 31,997,000 | 32,512,000 |
| Total capital | 32,832,000 | 33,476,000 | 34,185,000 | 34,810,000 |
| Risk-weighted assets | 193,862,000 | 200,782,000 | 209,764,000 | 206,884,000 |
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