Call reports 2018
COMMERCIAL STATE BANK — 2018
What COMMERCIAL STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 21,375,000 | 21,620,000 | 19,953,000 | 18,629,000 |
| Total loans | 7,568,000 | 8,276,000 | 9,247,000 | 9,115,000 |
| Allowance for loan losses | 167,000 | 167,000 | 167,000 | 167,000 |
| Securities available for sale | 7,325,000 | 7,280,000 | 6,480,000 | 5,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,129,000 | 19,198,000 | 17,361,000 | 16,002,000 |
| Interest-bearing deposits | 15,115,000 | 15,486,000 | 13,878,000 | 11,747,000 |
| Noninterest-bearing deposits | 4,014,000 | 3,712,000 | 3,483,000 | 4,256,000 |
| Equity capital | 1,445,000 | 1,467,000 | 1,443,000 | 1,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 148,000 | 305,000 | 462,000 | 618,000 |
| Interest expense | 31,000 | 61,000 | 86,000 | 110,000 |
| Net interest income | 117,000 | 244,000 | 376,000 | 508,000 |
| Noninterest income | 10,000 | 48,000 | 60,000 | 76,000 |
| Noninterest expense | 112,000 | 256,000 | 395,000 | 571,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | -15,000 | 6,000 | -24,000 | -52,000 |
| Income tax | -17,000 | -26,000 | -30,000 | -37,000 |
| Net income | 2,000 | 32,000 | 6,000 | -15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,584,000 | 1,581,000 | 1,556,000 | 1,534,000 |
| Total capital | 1,726,000 | 1,731,000 | 1,706,000 | 1,679,000 |
| Risk-weighted assets | 11,303,000 | 11,992,000 | 11,982,000 | 11,400,000 |