Call reports 2015
COMMERCIAL STATE BANK — 2015
What COMMERCIAL STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 22,215,000 | 22,658,000 | 22,754,000 | 23,324,000 |
| Total loans | 10,571,000 | 10,456,000 | 11,602,000 | 12,730,000 |
| Allowance for loan losses | 72,000 | 71,000 | 75,000 | 87,000 |
| Securities available for sale | 8,687,000 | 8,314,000 | 7,167,000 | 7,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,839,000 | 18,832,000 | 19,024,000 | 19,464,000 |
| Interest-bearing deposits | 15,346,000 | 16,096,000 | 16,408,000 | 14,471,000 |
| Noninterest-bearing deposits | 3,493,000 | 2,736,000 | 2,616,000 | 4,993,000 |
| Equity capital | 1,621,000 | 1,601,000 | 1,637,000 | 1,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 150,000 | 297,000 | 449,000 | 614,000 |
| Interest expense | 30,000 | 61,000 | 90,000 | 119,000 |
| Net interest income | 120,000 | 236,000 | 359,000 | 495,000 |
| Noninterest income | 10,000 | 27,000 | 43,000 | 58,000 |
| Noninterest expense | 121,000 | 246,000 | 367,000 | 461,000 |
| Provision for loan losses | 1,000 | 1,000 | 5,000 | 17,000 |
| Pretax income | 8,000 | 17,000 | 29,000 | 74,000 |
| Income tax | 6,000 | 7,000 | 8,000 | 19,000 |
| Net income | 2,000 | 10,000 | 21,000 | 55,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,607,000 | 1,616,000 | 1,625,000 | 1,662,000 |
| Total capital | 1,679,000 | 1,687,000 | 1,700,000 | 1,749,000 |
| Risk-weighted assets | 14,233,000 | 14,140,000 | 14,105,000 | 14,863,000 |