Call reports 2016
COMMERCIAL STATE BANK — 2016
What COMMERCIAL STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 320,174,000 | 325,420,000 | 343,665,000 | 340,297,000 |
| Total loans | 229,393,000 | 231,332,000 | 231,279,000 | 241,378,000 |
| Allowance for loan losses | 2,573,000 | 2,638,000 | 2,639,000 | 2,632,000 |
| Securities available for sale | 50,472,000 | 48,913,000 | 51,388,000 | 58,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,722,000 | 286,398,000 | 303,350,000 | 300,470,000 |
| Interest-bearing deposits | 154,025,000 | 155,530,000 | 161,959,000 | 167,010,000 |
| Noninterest-bearing deposits | 127,697,000 | 130,868,000 | 141,391,000 | 133,460,000 |
| Equity capital | 37,494,000 | 38,593,000 | 39,584,000 | 39,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,372,000 | 6,792,000 | 10,268,000 | 13,793,000 |
| Interest expense | 124,000 | 245,000 | 388,000 | 546,000 |
| Net interest income | 3,248,000 | 6,547,000 | 9,880,000 | 13,247,000 |
| Noninterest income | 273,000 | 527,000 | 901,000 | 1,166,000 |
| Noninterest expense | 2,338,000 | 4,662,000 | 7,026,000 | 9,321,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 1,132,000 | 2,400,000 | 3,743,000 | 5,080,000 |
| Income tax | 253,000 | 521,000 | 950,000 | 1,417,000 |
| Net income | 879,000 | 1,879,000 | 2,793,000 | 3,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,957,000 | 37,989,000 | 38,928,000 | 39,834,000 |
| Total capital | 39,530,000 | 40,627,000 | 41,567,000 | 42,466,000 |
| Risk-weighted assets | 237,902,000 | 239,694,000 | 254,027,000 | 258,259,000 |