Call reports 2015
COMMERCIAL STATE BANK — 2015
What COMMERCIAL STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 331,157,000 | 316,783,000 | 329,190,000 | 325,287,000 |
| Total loans | 201,351,000 | 219,379,000 | 222,747,000 | 227,748,000 |
| Allowance for loan losses | 2,362,000 | 2,349,000 | 2,414,000 | 2,523,000 |
| Securities available for sale | 37,069,000 | 40,119,000 | 42,939,000 | 45,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,495,000 | 281,747,000 | 292,702,000 | 288,533,000 |
| Interest-bearing deposits | 159,710,000 | 157,472,000 | 167,292,000 | 163,940,000 |
| Noninterest-bearing deposits | 136,785,000 | 124,275,000 | 125,410,000 | 124,593,000 |
| Equity capital | 33,816,000 | 34,550,000 | 35,855,000 | 36,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,015,000 | 6,129,000 | 9,476,000 | 12,824,000 |
| Interest expense | 127,000 | 253,000 | 387,000 | 512,000 |
| Net interest income | 2,888,000 | 5,876,000 | 9,089,000 | 12,312,000 |
| Noninterest income | 264,000 | 779,000 | 1,148,000 | 1,446,000 |
| Noninterest expense | 2,157,000 | 4,435,000 | 6,538,000 | 9,056,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 1,116,000 | 2,341,000 | 3,820,000 | 4,673,000 |
| Income tax | 276,000 | 629,000 | 1,067,000 | 1,338,000 |
| Net income | 840,000 | 1,712,000 | 2,753,000 | 3,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,455,000 | 34,333,000 | 35,405,000 | 36,082,000 |
| Total capital | 35,817,000 | 36,682,000 | 37,819,000 | 38,605,000 |
| Risk-weighted assets | 221,455,000 | 232,280,000 | 233,549,000 | 237,696,000 |