Call reports 2012
COMMERCIAL STATE BANK — 2012
What COMMERCIAL STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 81,554,000 | 78,943,000 | 76,797,000 | 79,875,000 |
| Total loans | 57,919,000 | 59,063,000 | 59,217,000 | 59,656,000 |
| Allowance for loan losses | 865,000 | 882,000 | 844,000 | 806,000 |
| Securities available for sale | 5,246,000 | 6,226,000 | 5,002,000 | 4,573,000 |
| Securities held to maturity | 4,752,000 | 4,852,000 | 4,507,000 | 4,456,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,281,000 | 69,640,000 | 67,196,000 | 70,335,000 |
| Interest-bearing deposits | 63,335,000 | 61,473,000 | 59,618,000 | 60,578,000 |
| Noninterest-bearing deposits | 8,946,000 | 8,167,000 | 7,578,000 | 9,757,000 |
| Equity capital | 8,214,000 | 8,175,000 | 8,404,000 | 8,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 941,000 | 1,886,000 | 2,841,000 | 3,773,000 |
| Interest expense | 202,000 | 397,000 | 579,000 | 751,000 |
| Net interest income | 739,000 | 1,489,000 | 2,262,000 | 3,022,000 |
| Noninterest income | 115,000 | 176,000 | 294,000 | 389,000 |
| Noninterest expense | 469,000 | 1,006,000 | 1,520,000 | 2,183,000 |
| Provision for loan losses | 30,000 | 70,000 | 130,000 | 190,000 |
| Pretax income | 355,000 | 589,000 | 906,000 | 1,038,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 33,000 |
| Net income | 348,000 | 575,000 | 885,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,164,000 | 8,136,000 | 8,317,000 | 8,438,000 |
| Total capital | 8,962,000 | 8,960,000 | 9,136,000 | 9,244,000 |
| Risk-weighted assets | 63,759,000 | 65,839,000 | 65,491,000 | 66,569,000 |