Call reports 2013
COMMERCIAL STATE BANK — 2013
What COMMERCIAL STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 81,192,000 | 78,473,000 | 77,872,000 | 82,039,000 |
| Total loans | 57,527,000 | 60,759,000 | 61,310,000 | 64,451,000 |
| Allowance for loan losses | 733,000 | 773,000 | 823,000 | 855,000 |
| Securities available for sale | 4,827,000 | 4,209,000 | 4,268,000 | 4,150,000 |
| Securities held to maturity | 4,374,000 | 4,328,000 | 4,076,000 | 4,249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,564,000 | 68,719,000 | 67,970,000 | 70,741,000 |
| Interest-bearing deposits | 62,458,000 | 60,744,000 | 60,194,000 | 58,653,000 |
| Noninterest-bearing deposits | 9,106,000 | 7,975,000 | 7,776,000 | 12,088,000 |
| Equity capital | 8,517,000 | 8,560,000 | 8,626,000 | 8,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 888,000 | 1,787,000 | 2,716,000 | 3,677,000 |
| Interest expense | 154,000 | 293,000 | 424,000 | 549,000 |
| Net interest income | 734,000 | 1,494,000 | 2,292,000 | 3,128,000 |
| Noninterest income | 106,000 | 289,000 | 300,000 | 420,000 |
| Noninterest expense | 618,000 | 1,192,000 | 1,743,000 | 2,354,000 |
| Provision for loan losses | 80,000 | 125,000 | 170,000 | 200,000 |
| Pretax income | 142,000 | 466,000 | 679,000 | 994,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 33,000 |
| Net income | 134,000 | 450,000 | 655,000 | 961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,444,000 | 8,504,000 | 8,580,000 | 8,887,000 |
| Total capital | 9,177,000 | 9,277,000 | 9,403,000 | 9,742,000 |
| Risk-weighted assets | 64,566,000 | 67,481,000 | 69,013,000 | 72,927,000 |