Call reports 2012
COMMERCIAL STATE BANK — 2012
What COMMERCIAL STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 19,016,000 | 19,668,000 | 22,184,000 | 26,026,000 |
| Total loans | 7,022,000 | 7,979,000 | 9,329,000 | 11,222,000 |
| Allowance for loan losses | 82,000 | 82,000 | 84,000 | 88,000 |
| Securities available for sale | 4,822,000 | 5,462,000 | 7,018,000 | 7,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,723,000 | 17,280,000 | 19,322,000 | 22,680,000 |
| Interest-bearing deposits | 13,591,000 | 14,130,000 | 14,355,000 | 10,475,000 |
| Noninterest-bearing deposits | 3,132,000 | 3,150,000 | 4,967,000 | 12,205,000 |
| Equity capital | 1,533,000 | 1,555,000 | 1,583,000 | 1,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 147,000 | 284,000 | 434,000 | 606,000 |
| Interest expense | 36,000 | 73,000 | 111,000 | 144,000 |
| Net interest income | 111,000 | 211,000 | 323,000 | 462,000 |
| Noninterest income | 26,000 | 45,000 | 78,000 | 99,000 |
| Noninterest expense | 116,000 | 232,000 | 359,000 | 484,000 |
| Provision for loan losses | 1,000 | 1,000 | 4,000 | 22,000 |
| Pretax income | 20,000 | 23,000 | 38,000 | 55,000 |
| Income tax | 10,000 | 4,000 | 6,000 | 13,000 |
| Net income | 10,000 | 19,000 | 32,000 | 42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,503,000 | 1,512,000 | 1,523,000 | 1,531,000 |
| Total capital | 1,585,000 | 1,594,000 | 1,607,000 | 1,619,000 |
| Risk-weighted assets | 10,079,000 | 10,999,000 | 12,751,000 | 15,272,000 |