Call reports 2017
COMMERCIAL STATE BANK — 2017
What COMMERCIAL STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 342,293,000 | 351,470,000 | 366,219,000 | 390,143,000 |
| Total loans | 242,579,000 | 251,425,000 | 266,418,000 | 271,533,000 |
| Allowance for loan losses | 2,645,000 | 2,658,000 | 2,652,000 | 2,646,000 |
| Securities available for sale | 63,401,000 | 63,901,000 | 66,603,000 | 64,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,183,000 | 308,225,000 | 321,878,000 | 345,656,000 |
| Interest-bearing deposits | 168,868,000 | 175,303,000 | 181,919,000 | 179,862,000 |
| Noninterest-bearing deposits | 131,315,000 | 132,922,000 | 139,959,000 | 165,794,000 |
| Equity capital | 41,178,000 | 42,803,000 | 43,873,000 | 44,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,613,000 | 7,368,000 | 11,342,000 | 15,409,000 |
| Interest expense | 175,000 | 352,000 | 545,000 | 738,000 |
| Net interest income | 3,438,000 | 7,016,000 | 10,797,000 | 14,671,000 |
| Noninterest income | 860,000 | 1,177,000 | 903,000 | 1,337,000 |
| Noninterest expense | 2,450,000 | 4,660,000 | 6,734,000 | 10,042,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 1,838,000 | 3,566,000 | 4,999,000 | 6,006,000 |
| Income tax | 541,000 | 1,040,000 | 1,425,000 | 1,550,000 |
| Net income | 1,297,000 | 2,526,000 | 3,574,000 | 4,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,293,000 | 42,542,000 | 43,617,000 | 44,574,000 |
| Total capital | 43,938,000 | 45,200,000 | 46,269,000 | 47,220,000 |
| Risk-weighted assets | 262,146,000 | 273,957,000 | 286,343,000 | 293,965,000 |