Call reports 2016
COMMERCIAL STATE BANK — 2016
What COMMERCIAL STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 21,971,000 | 21,479,000 | 21,219,000 | 24,066,000 |
| Total loans | 11,197,000 | 10,436,000 | 10,733,000 | 11,290,000 |
| Allowance for loan losses | 90,000 | 93,000 | 97,000 | 101,000 |
| Securities available for sale | 7,440,000 | 7,248,000 | 7,049,000 | 6,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,727,000 | 18,556,000 | 18,485,000 | 21,131,000 |
| Interest-bearing deposits | 15,427,000 | 14,867,000 | 15,094,000 | 14,453,000 |
| Noninterest-bearing deposits | 3,300,000 | 3,689,000 | 3,391,000 | 6,678,000 |
| Equity capital | 1,690,000 | 1,723,000 | 1,725,000 | 1,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 167,000 | 331,000 | 492,000 | 648,000 |
| Interest expense | 29,000 | 57,000 | 86,000 | 114,000 |
| Net interest income | 138,000 | 274,000 | 406,000 | 534,000 |
| Noninterest income | 17,000 | 30,000 | 43,000 | 65,000 |
| Noninterest expense | 121,000 | 241,000 | 374,000 | 504,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 25,000 |
| Pretax income | 31,000 | 57,000 | 66,000 | 70,000 |
| Income tax | 5,000 | 15,000 | 12,000 | 24,000 |
| Net income | 26,000 | 42,000 | 54,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,684,000 | 1,723,000 | 1,725,000 | 1,738,000 |
| Total capital | 1,774,000 | 1,816,000 | 1,822,000 | 1,839,000 |
| Risk-weighted assets | 13,991,000 | 14,301,000 | 14,095,000 | 14,678,000 |