Call reports 2013
COMMERCIAL STATE BANK — 2013
What COMMERCIAL STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 20,951,000 | 21,856,000 | 23,326,000 | 27,060,000 |
| Total loans | 8,151,000 | 9,414,000 | 10,855,000 | 12,294,000 |
| Allowance for loan losses | 67,000 | 69,000 | 64,000 | 64,000 |
| Securities available for sale | 7,146,000 | 8,554,000 | 8,816,000 | 8,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,524,000 | 19,437,000 | 20,676,000 | 23,659,000 |
| Interest-bearing deposits | 15,084,000 | 15,908,000 | 16,185,000 | 14,828,000 |
| Noninterest-bearing deposits | 3,440,000 | 3,529,000 | 4,491,000 | 8,831,000 |
| Equity capital | 1,582,000 | 1,436,000 | 1,430,000 | 1,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 146,000 | 283,000 | 440,000 | 609,000 |
| Interest expense | 35,000 | 70,000 | 102,000 | 135,000 |
| Net interest income | 111,000 | 213,000 | 338,000 | 474,000 |
| Noninterest income | 30,000 | 54,000 | 68,000 | 95,000 |
| Noninterest expense | 121,000 | 243,000 | 381,000 | 507,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 20,000 |
| Pretax income | 8,000 | 12,000 | 13,000 | 45,000 |
| Income tax | 0 | 1,000 | 5,000 | 2,000 |
| Net income | 8,000 | 11,000 | 8,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,539,000 | 1,541,000 | 1,538,000 | 1,575,000 |
| Total capital | 1,606,000 | 1,610,000 | 1,602,000 | 1,639,000 |
| Risk-weighted assets | 11,657,000 | 12,927,000 | 14,454,000 | 16,192,000 |