Call reports 2014
COMMERCIAL STATE BANK — 2014
What COMMERCIAL STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 23,989,000 | 23,664,000 | 24,199,000 | 25,531,000 |
| Total loans | 10,084,000 | 9,479,000 | 11,157,000 | 11,788,000 |
| Allowance for loan losses | 68,000 | 59,000 | 64,000 | 70,000 |
| Securities available for sale | 8,613,000 | 9,034,000 | 8,604,000 | 8,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,922,000 | 20,761,000 | 20,653,000 | 21,520,000 |
| Interest-bearing deposits | 16,527,000 | 16,081,000 | 15,432,000 | 13,925,000 |
| Noninterest-bearing deposits | 4,395,000 | 4,680,000 | 5,221,000 | 7,594,000 |
| Equity capital | 1,518,000 | 1,552,000 | 1,557,000 | 1,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 152,000 | 297,000 | 445,000 | 601,000 |
| Interest expense | 33,000 | 65,000 | 97,000 | 127,000 |
| Net interest income | 119,000 | 232,000 | 348,000 | 474,000 |
| Noninterest income | 26,000 | 40,000 | 59,000 | 80,000 |
| Noninterest expense | 123,000 | 243,000 | 370,000 | 499,000 |
| Provision for loan losses | 4,000 | 8,000 | 13,000 | 14,000 |
| Pretax income | 10,000 | 12,000 | 15,000 | 32,000 |
| Income tax | -17,000 | -18,000 | -17,000 | -7,000 |
| Net income | 27,000 | 30,000 | 32,000 | 39,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,597,000 | 1,598,000 | 1,599,000 | 1,606,000 |
| Total capital | 1,665,000 | 1,657,000 | 1,663,000 | 1,676,000 |
| Risk-weighted assets | 13,768,000 | 13,024,000 | 14,273,000 | 15,411,000 |