Call reports 2017
COMMERCIAL STATE BANK — 2017
What COMMERCIAL STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 21,943,000 | 21,213,000 | 21,134,000 | 21,559,000 |
| Total loans | 9,497,000 | 9,664,000 | 9,744,000 | 10,230,000 |
| Allowance for loan losses | 66,000 | 159,000 | 153,000 | 136,000 |
| Securities available for sale | 7,129,000 | 7,216,000 | 7,161,000 | 6,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,451,000 | 18,766,000 | 18,670,000 | 18,990,000 |
| Interest-bearing deposits | 11,294,000 | 11,309,000 | 10,755,000 | 14,447,000 |
| Noninterest-bearing deposits | 8,157,000 | 7,457,000 | 7,916,000 | 4,543,000 |
| Equity capital | 1,671,000 | 1,532,000 | 1,516,000 | 1,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 149,000 | 304,000 | 456,000 | 613,000 |
| Interest expense | 30,000 | 61,000 | 92,000 | 123,000 |
| Net interest income | 119,000 | 243,000 | 364,000 | 490,000 |
| Noninterest income | 12,000 | 25,000 | 19,000 | 37,000 |
| Noninterest expense | 113,000 | 232,000 | 353,000 | 473,000 |
| Provision for loan losses | 4,000 | 216,000 | 216,000 | 216,000 |
| Pretax income | 14,000 | -180,000 | -186,000 | -162,000 |
| Income tax | 1,000 | -31,000 | -25,000 | -3,000 |
| Net income | 13,000 | -149,000 | -161,000 | -159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,702,000 | 1,565,000 | 1,546,000 | 1,549,000 |
| Total capital | 1,768,000 | 1,724,000 | 1,698,000 | 1,685,000 |
| Risk-weighted assets | 12,879,000 | 12,837,000 | 13,041,000 | 13,520,000 |