Call reports 2019
COMMERCIAL STATE BANK — 2019
What COMMERCIAL STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 20,243,000 | 20,766,000 | 19,541,000 | 19,179,000 |
| Total loans | 8,190,000 | 7,091,000 | 7,427,000 | 8,311,000 |
| Allowance for loan losses | 169,000 | 171,000 | 173,000 | 173,000 |
| Securities available for sale | 5,711,000 | 5,859,000 | 4,860,000 | 3,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,461,000 | 18,168,000 | 16,895,000 | 16,120,000 |
| Interest-bearing deposits | 12,054,000 | 12,798,000 | 11,724,000 | 11,118,000 |
| Noninterest-bearing deposits | 5,407,000 | 5,370,000 | 5,171,000 | 5,002,000 |
| Equity capital | 1,527,000 | 1,588,000 | 1,562,000 | 1,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 153,000 | 309,000 | 467,000 | 618,000 |
| Interest expense | 24,000 | 48,000 | 70,000 | 92,000 |
| Net interest income | 129,000 | 261,000 | 397,000 | 526,000 |
| Noninterest income | 9,000 | 17,000 | -33,000 | -7,000 |
| Noninterest expense | 101,000 | 203,000 | 313,000 | 428,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 35,000 | 72,000 | 46,000 | 85,000 |
| Income tax | 6,000 | 10,000 | 11,000 | 10,000 |
| Net income | 29,000 | 62,000 | 35,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,563,000 | 1,596,000 | 1,569,000 | 1,609,000 |
| Total capital | 1,699,000 | 1,714,000 | 1,702,000 | 1,728,000 |
| Risk-weighted assets | 10,917,000 | 9,284,000 | 10,597,000 | 9,465,000 |